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The most expensive Midwestern state for a 20-year middle-class retirement is Minnesota, at around $700,000 on average.

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The cheapest state is Missouri, at about $457,000.

Check out what a middle-class retirement costs in the Midwest states.

Using the average mortgage and average expenditure costs, the average cost of living was calculated.

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Middle-class income is defined by Pew Research Center as two-thirds to double the national median income.

The minimum income needed to be middle class was calculated and the savings needed to retire was calculated.

All data was collected on and is up to date as of Jan. 24, 2025.

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