The states that make up the West Coast are known for their abundance of natural beauty and vibrant urban centers boasting world-class culture, cuisine and more. Many people dream of enjoy their after-work years and live a comfortable life in one of these states.

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To turn this dream into reality, you will need to prioritize saving. Each state offers future retirees diverse and unique life experiences, but these come with significant expenses.

Keep reading to learn about the five West Coast states where retirees will need at least $1 million to retire comfortablybased on annual expenses, cost of living indices and minimum funds required for 25 and 30 years of retirement.

Alaska

• Annual expenses: $73,082

• Cost of living index: 126.4

• Minimum required for 25 years of retirement: $1,287,880

• Minimum required for 30 years of retirement: $1,547,003

Alaska’s landscapes are known for their rugged beauty, but the cost of untouched wilderness can be high. The higher cost of living in Alaska is due to the challenges of importing goods and services into this remote region. Although it offers breathtaking views and a unique lifestyle, retirees need to prepare for significant living expenses.

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California

• Annual expenses: $78,864

• Cost of living index: 136.4

• Minimum required for 25 years of retirement: $1,432,425

• Minimum required for 30 years of retirement: $1,720,630

The Golden State is home to some of the world’s most beautiful beaches, diverse and vibrant cultures, and an economy rivaling that of many countries. This is reflected in a high cost of living index of 136.4.

Hawaii

• Annual expenses: $103,610

• Cost of living index: 179.2

• Minimum required for 25 years of retirement: $2,051,077

• Minimum required for 30 years of retirement: $2,463,757

Hawaii has lush landscapes, tranquil beaches with bottle-blue waters, and a climate that calls to mind the phrase “tropical paradise.” Unfortunately, this idyllic island comes at a price. Hawaii’s cost of living index hits a staggering 179.2, making it one of the most expensive states to retire in.

Oregon

• Annual expenses: $66,317

• Cost of living index: 114.7

• Minimum required for 25 years of retirement: $1,118,762

• Minimum required for 30 years of retirement: $1,343,858

If Oregon’s lush forests and vibrant culture aren’t enough of a draw, the state also offers retirees a relatively more affordable cost of living. While it still requires careful financial planning, the prospect is slightly less daunting than some other states on this list.

Washington

• Annual expenses: $66,895

• Cost of living index: 115.7

• Minimum required for 25 years of retirement: $1,133,217

• Minimum required for 30 years of retirement: $1,361,221

Retiring in Washington state provides access to the cultural amenities of cities like Seattle, nestled in some of the most majestic landscapes in the world. While it’s a bargain compared to Hawaii, living in this much natural beauty is still a bit pricey.

Methodology: To find out exactly how much you need to retire in each state, GOBankingRates found the annual cost of spending for a retired person in each state by multiplying the spending of people 65 and older, from the study 2022 from the Bureau of Labor Statistics. Consumer spending survey, by cost of living index for each state, from the Missouri Economic Research and Information Center’s Third Quarter 2023 Cost of Living Series. To determine how much money a retired person would need to save, we divided each state’s annual spending, minus the annual Social Security income from the Social Security Administration’s Monthly Statistical Snapshot, March 2022, by 0.0333%, 0.04% and 0.05% — assuming 20, 25 and 30 years of retirement, respectively. All data has been collected and is current as of January 8, 2024.

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This article was originally published on GOBankingRates.com: 5 West Coast States Where You’ll Need at Least $1 Million to Retire