The Retirement Care Gap

Where America is growing older faster than its care is growing.

How ready is America to care for its aging population? Mirador Living compared five years of population change with the care and costs available in all 50 states and Washington, DC.

Key findings

Widest gap

Arizona +68.5 index points

Combining the second-highest net 65+ migration rate with the second-lowest certified nursing-home bed rate.

Narrowest gap

South Dakota −75.0 index points

Where care readiness most exceeds demographic pressure. Iowa and Nebraska come next.

Retirement magnets

Idaho +12.66 per 1,000 aged 65+

The seven states gaining older residents fastest all rank among the ten widest care gaps.

The care gap, state by state

Color shows where demographic pressure exceeds measured care readiness.

Readiness gap · index points · Rank 1 = widest gap

Use the arrow keys to move between states, and press Enter to open a state's full profile.

Gap values run from −75.0 (South Dakota) to +68.5 (Arizona).

The full rankings

Showing 10 of 51
All 50 states and Washington, DC, with every study measure.

Tips for families

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Methodology and sources

Mirador Living compared how much demographic pressure each state faces with the care available there, across all 50 states and Washington, DC. Pressure combines 75+ population growth and net 65+ migration; readiness combines certified nursing-home beds, home-health agencies, hospitals and regional price levels. Every measure is ranked from 0 to 100 with equal weights, and the gap is pressure minus readiness, so larger positive gaps mean pressure exceeds measured readiness. It is a relative index, not a care-sufficiency, care-quality or best-place-to-retire ranking.

Sources

  • US Census Bureau, ACS 5-year estimates, table B010012019 and 2024 vintages · population and 75+ growth2024 file
  • US Census Bureau, ACS 2020-2024 5-Year PUMSinterstate migration of adults aged 65+census.gov/pums
  • CMS Nursing Home Provider InformationAugust 2026 refresh · certified bedsdata.cms.gov
  • CMS Home Health Provider InformationJuly 2026 refresh · Medicare-certified agenciesdata.cms.gov
  • CMS Hospital General InformationAugust 2026 refresh · active hospitalsdata.cms.gov
  • BEA Regional Price Parities2024 · all-items price level (US = 100)apps.bea.gov
Detailed data notes

These rankings are estimates, not exact positions. For 21 states the migration figures could be zero, and nearby ranks are not clearly distinct.

A negative gap means measured readiness is ahead of demographic pressure in this index. It does not mean a state has spare care capacity.

Migration figures come from census records on individual movers. Where an origin is not recorded, the move is left out rather than counted as zero. Connecticut has the most of these (about 7,700 people), which makes its recorded net loss of 1,658 less certain.

Nursing-bed totals add up only the beds that nursing homes reported. Ten homes did not report a count (California 4, Montana 2, and one each in Georgia, Hawaii, Maryland and Mississippi), so the totals can slightly undercount. Home-health figures count agencies, not caregivers or visits.

The general price level reflects overall living costs, not the cost of care.

Some figures come from slightly different dates (nursing homes and hospitals: August 2026; home health: July 2026), and the population data covers the pandemic years. Growth and care-supply figures share the same 2024 population base, so their link is partly mathematical, not independent evidence that states fell behind on supply.