13. Massachusetts

Average annual benefit: $18,104

In The Bay State, 878,840 retirees collected average monthly benefits of $1,508.65. The state does not tax benefits, but it is moderately retirement-friendly due to fully taxed retirement income without exemptions or deductions.

Sales taxes are 6.25%, exempting most footwear and clothing under $175. There are neither local sales nor inheritance taxes. State income tax is flat-rated at 5%. Credits provide some seniors relief from property taxes.