Retire by stateFigures verified May 31, 2026

Retiring in Kansas

Kansas gives you wide prairie, room to breathe, and a low cost of living. The state no longer taxes Social Security, and that break now reaches every retiree.

Could fit

You like open country, a slower pace, and lower housing costs. And you want your Social Security left untaxed by the state.

Look closely at

You need mild weather year round. Kansas sits in tornado country and swings from hot summers to cold winters.

$4,500/mo

Using the same $5,000 national monthly example, Kansas comes out near $4,500 a month.

#10 of 50 for lowest everyday cost, using the same BEA index shown here.

U.S. avg 100
More affordablePricier

Kansas runs about 10% below the national average on everyday prices.

93

Our index of how Kansas's estimated annual hobby costs compare with the rest of the country.

#12 of 50 for lower estimated recreation cost, using the same hobby-cost model shown here.

U.S. avg 100
More affordablePricier

Kansas's modeled hobby costs run about 7% below the national average. The modeled average is about $986 a year across the activity basket.

Est. Our own measure from 8 modeled hobbies. It uses published state fees where we have them, then adds recurring hobby assumptions like gear, trips, memberships, and upkeep. 100 = national average.

Find Kansas in the ranking

The state lines the calculator actually changes.

Start here for the whole state picture. The quick math sits beside the things that change daily life: taxes, home costs, care costs, towns, weather, and what Kansas actually feels like.

Tax and Medicare

Check the Kansas income picture.

Estimate how Kansas treats Social Security, pension income, IRA/401(k) withdrawals, city income tax, and Medicare premium tiers before you build the full journey.

Social Security

Not taxed

Pension

Check exemptions

IRA / 401(k)

Generally taxed

Compare states

Cost of living

$4,500/mo

Using the same $5,000 national monthly example, Kansas prices translate to about $4,500 a month.

BEA Regional Price Parities

State income tax

~4.5%

Kansas does not tax Social Security in the summary used here, but a 4.5% blended planning rate is used for taxable retirement-income context. IRA and 401(k) withdrawals can still need a state-tax line in Kansas, with exemptions and local rules checked against current state guidance.

Tax Foundation

Social Security

Not taxed

Kansas does not tax Social Security benefits under the current state-tax summary used here.

AARP / IRS Pub. 915

Property tax

1.4%

Property tax is local, but the Kansas state-level planning rate used here is 1.4% of home value. On a $350,000 home, that is about $4,900 a year before county detail.

Tax Foundation

Sales tax

8.7%

Tax Foundation puts Kansas's 2026 average combined state and local sales tax near 8.7%, ranked 9 among states in that table.

Tax Foundation

Vehicle costs

Check cars

Vehicle costs need a separate check in Kansas because value-based vehicle taxes or registration-linked property taxes can show up in the car budget.

FreeTaxUSA vehicle-tax guide

The care cliff, in Kansas dollars.

CareScout and Genworth 2025 median costs, compared with the national median. Long-term care is a separate planning layer from ordinary Medicare costs.

Assisted living

$5,975/mo

About $71,700 a year, 4% lower than the national median.

Nursing home (semi-private)

$8,669/mo

About $104,025 a year, 10% lower than the national median.

Home caregiver

$6,435/mo

About $77,220 a year, 4% lower than the national median.

Full Kansas long-term-care breakdown

What there is to do, with the sources.

How the things people retire for actually look in Kansas. Each links to the full activity guide.

Pickleball & tennis

Wichita Parks and Recreation maintains both indoor and outdoor pickleball courts across the city, and Johnson County Park and Recreation District runs a dedicated 50 Plus Pickleball program offering structured drop-in play and social competition for adults 50 and older. Multiple indoor options including YMCA and recreation centers operate in Topeka and Overland Park.

$336/yrEst.

Estimated annual hobby cost

30 court visits per year, plus paddle replacement, balls, league fees, and small club costs.

No state-published fee is attached to this activity, so the estimate uses the recurring-cost assumption only.

Johnson County Park and Recreation District, 50 Plus Pickleball
Arts & culture

The Kauffman Center for the Performing Arts in Kansas City seats major touring productions, the Kansas City Symphony, and regional companies, while Wichita supports its own symphony, art museum, and theater scene. Lifelong learning programs through local libraries and community colleges extend cultural access across the state.

$355/yrEst.

Estimated annual hobby cost

8 museum, theater, or cultural visits per year, plus a modest membership or ticket budget.

Published input

Shepherd's Center of Topeka (interfaith non-profit senior organization, Topeka, KS): annual membership $40/yr for adults 55+; includes access to Adventures in Learning classes at reduced rates.

shepherdscentertopeka.org · as of 2026
Kauffman Center for the Performing Arts
Social & community

Kansas has multiple Area Agencies on Aging serving every county, including Northeast Kansas Area Agency on Aging, which coordinates volunteer opportunities such as SHICK Medicare counseling and VITA tax assistance for seniors. Johnson County's Area Agency on Aging operates a senior information line at 913-715-8861 and connects residents to meal programs, transportation, and social events.

$202/yrEst.

Estimated annual hobby cost

Senior-center, club, class, trip, or program costs beyond any published membership fee.

Published input

Shepherd's Center of Topeka: annual membership $40/yr for adults 55+; volunteer-run interfaith non-profit offering educational, social, and physical programs.

shepherdscentertopeka.org · as of 2026
Johnson County Area Agency on Aging
Fishing

Kansas has 24 large reservoirs plus more than 200 community lakes where a standard fishing license covers access with no added fees at most sites. Milford Lake, the state's largest at 15,700 surface acres, offers an ADA-compliant three-lane boat ramp at the State Park Marina and is well known for walleye and catfish.

$403/yrEst.

Estimated annual hobby cost

One resident annual license, plus tackle, bait, simple access trips, and replacement gear.

Published input

Kansas resident annual fishing license (ages 16-64): $25/yr. Senior resident fishing license (ages 65-74): $15/yr. Residents age 75+ are exempt from fishing license requirements.

ksoutdoors.gov · as of 2026
Kansas Department of Wildlife and Parks, Fishing in Kansas
Boating & water

Kansas has more than 150 lakes and reservoirs with public boat ramps managed by the state, including Perry Lake with 160 miles of shoreline and Cheney Reservoir, known for sailing and supported by the Ninnescah Sailing Association. Milford State Park Marina on Milford Lake offers multiple free public ramps including an ADA-compliant lane.

$4,253/yrEst.

Estimated annual hobby cost

A modest owned boat, including registration, insurance, storage, maintenance, fuel, and basic upkeep.

Published input

Kansas watercraft registration fees are administered through the Kansas Division of Vehicles (county treasurer offices). A uniform published annual fee schedule for recreational vessels was not found on ksoutdoors.gov or ksrevenue.gov during this research pass.

ksrevenue.gov · as of 2026
Dockwa, Kansas Marinas
Golf

Kansas cities operate several public golf courses, and Johnson County Park and Recreation District offers senior walking rates starting around $26 for 18 holes on weekdays at Heritage Park Golf Links. Wichita Parks and Recreation runs five municipal courses with cart and green-fee options for all budgets.

$1,548/yrEst.

Estimated annual hobby cost

24 public rounds per year, plus equipment refresh, range balls, carts, and other course extras.

No state-published fee is attached to this activity, so the estimate uses the recurring-cost assumption only.

Johnson County Park and Recreation District Golf
Gardening

K-State Extension runs the Kansas Extension Master Gardener program in counties across the state, with volunteers tending public gardens, maintaining botanical spaces, and staffing gardening hotlines for residents. Johnson County alone has roughly 450 active master gardeners and maintains demonstration gardens at several county parks.

$493/yrEst.

Estimated annual hobby cost

Seeds, soil, tools, replacement plants, water, and a modest home or community-garden setup.

Published input

Prairie Village Community Gardens (Harmon Park, 77th and Delmar, Prairie Village, KS): $40/yr for a 4x20 ft plot. Kansas City Community Gardens (KCCG, Kansas City, KS sites): ground plot $25-$30/yr depending on membership tier (Blue Card members $30, Yellow/Orange $25).

Published range: $25 to $40.

pvkansas.com · as of 2026
K-State Extension Master Gardener
Hiking & trails

The Flint Hills Trail is a 117-mile rail-trail across the tallgrass prairie from Osawatomie to near Manhattan, rated the seventh-longest rail-trail in the country and accessible to walkers of varying abilities. Kansas State Parks also offer guided hikes and shorter accessible paths at sites like Little Jerusalem Badlands and Cross Timbers.

$294/yrEst.

Estimated annual hobby cost

12 trail or park visits per year, plus footwear, basic gear, parking, and local travel.

Published input

Kansas State Parks: daily vehicle permit $5; annual vehicle permit $25 (2025 calendar year). Senior/disabled annual permit (65+): $13.75/yr. Kansas State Parks Passport (purchased at vehicle registration): $15.50/yr.

Published range: $5 to $25.

ksoutdoors.gov · as of 2025
Travel Kansas, Flint Hills Trail State Park

What a week can look like.

Walk the Tallgrass Prairie National Preserve

This preserve in the Flint Hills protects one of the last large stretches of tallgrass prairie left in the country. You can hike the trails, tour a historic ranch, and ride seasonal van tours out to see the bison.

National Park Service

Spend time at the state parks and reservoirs

Kansas built its state parks around lakes and reservoirs. You get fishing, boating, camping, and trails, and most of the water is an easy drive from the bigger towns.

Drive and explore the Flint Hills

The Flint Hills roll across eastern Kansas in open grassland, dotted with scenic byways and small towns. The Nature Conservancy calls this a rare surviving piece of the North American prairie.

The Nature Conservancy

What can change the month.

Tornado and severe storm season is real

Kansas sits in tornado country, and the worst of it runs through spring and early summer. If you settle here, you live with watches, warnings, and a plan for where to shelter.

Social Security is now exempt from state tax

A 2024 law dropped the Kansas tax on Social Security benefits for everyone, no matter your income. Other retirement income, like a private pension, can still be taxed. Check the full picture with the state before you count on a number.

Kiplinger

Hot summers and cold winters

The weather swings hard across the year. Summers run hot and humid, and winters turn cold with ice and snow. If you want a steady, mild climate, this range will feel wide.

What there is to do across Kansas.

10 tracked categories across Kansas. Each card opens the search filtered to that activity.

Upcoming events in Kansas

See all events

Music & concerts

JUL18

9 PM

Uptown Theater · Eudora, KS

Music & concerts

Bop To The Top

Uptown Theater

Bop To The Top. AGES 18+. (Must bring valid ID). Doors 8:30PM / Show 9PM

MusicIndoors

Music & concerts

JUL18

7:30 PM

Grinders KC · Kansas City, KS

Music & concerts

KALEO - Way Down We Go Tour

Grinders KC

Doors 6:30pm / Show 7:30pm All-ages show Preferred Viewing Area includes: a dedicated entrance, air conditioned lounge, private restrooms, private bar (credit card only at some locations), and a preferred viewing area near the main stage.

Music

Music & concerts

JUL18

8 PM

KC Live! · Kansas City, KS

Music & concerts

The Head and the Heart (18 and Over)

KC Live!

Music

Music & concerts

JUL18

9 PM

Uptown Theater · Kansas City, KS

Music & concerts

Bop To The Top

Uptown Theater

Bop To The Top. AGES 18+. (Must bring valid ID). Doors 8:30PM / Show 9PM

MusicIndoors

Outdoors & nature

JUL18

8 PM

Prophet Aquatic Research and Outreach Center (PAROC) · Emporia, KS

Outdoors & nature

Creatures of the Night: Science Saturday

Prophet Aquatic Research and Outreach Center (PAROC)

When the rest of the world is sleeping, nocturnal animals are on the move! These specialized animals use key adaptations to survive and thrive when it’s dark outside. Join PAROC on July 18th from 8pm-10pm for an evening learning about these creatures of the night! We will have lots of fun activities including a telescope, a nighttime hike, an insect observation tent, a reading bat cave, lots of...

Hiking and natureOutdoors

Lifelong learning

JUL18

Wichita Public Library · Wichita, KS

Lifelong learningFree

Create Stickers with Canva and Cricut

Wichita Public Library

Unleash your creativity in this hands-on class where you'll learn how to design and create custom stickers using the free version of Canva and a Cricut cutting machine.

Classes and talksFreeIndoors

Towns we have mapped in Kansas.

Put Kansas next to another state.

Compare cost of living, taxes, Social Security treatment, property and sales tax, and long-term-care costs side by side.

Retiring in Kansas, answered.

Does Kansas tax retirement income?

Kansas does not tax Social Security benefits under the current state-tax summary used here. IRA and 401(k) withdrawals can still need a state-tax line in Kansas, with exemptions and local rules checked against current state guidance. Kansas does not tax Social Security in the summary used here, but a 4.5% blended planning rate is used for taxable retirement-income context.

AARP: how states tax retirement income

Is Kansas cheaper or more expensive than average?

BEA regional price parities put Kansas about 9.9% below the U.S. average cost level. That price level is the first reason a national retirement number needs a Kansas translation.

BEA Regional Price Parities

What does long-term care cost in Kansas?

In the CareScout and Genworth 2025 medians, Kansas assisted living runs about $71,700 a year (4% lower than the national median) and a semi-private nursing-home room about $104,025 a year (10% lower than the national median).

CareScout / Genworth Cost of Care

Which towns in Kansas have a retirement guide?

Kansas has 1 researched town guide: Wichita. Each one breaks down local costs, services, and things to do.

Does Kansas tax Social Security benefits?

No. Since a 2024 tax change, Kansas exempts all Social Security benefits from state income tax, for every recipient. Other retirement income can still be taxed, so review the state rules for your own situation.

Kansas Department of Revenue

See what Kansas does to your retirement plan.

Enter your real spending, income, home, and dreams. The planner applies the Kansas tax and cost assumptions for you, then shows the years the money has to last.

Start my map