To retire comfortably in 3 U.S. states, you'll need more than $100,000 a year, and none of them are New York.

The location of your retirement home may be just as crucial as the amount you save.

According to a recent GOBankingRates analysis, in three U.S. states, you'd need to spend six figures a year to live comfortably in retirement, which is far more than in most others.

The average annual retirement expenses in Hawaii, California, and Massachusetts exceed $100,000, with Hawaii having the highest expense at $129,296. In contrast, West Virginia retirees require the least amount, at $58,190 per year.

Over a 30-year retirement, the savings difference between Hawaii and West Virginia would exceed $1.25 million.

The study used Bureau of Labor Statistics estimates to calculate the average annual retirement costs for Americans aged 65 and older in each state, including food, shelter, transportation, health care, and utility expenses. A 20% cash buffer was added to this total to ensure that retirees could live comfortably.

According to GOBankingRates' calculations, living comfortably in three states will cost more than six figures.

Hawaii

• Total annual expenditures: $107,746
• 20% comfort buffer: $21,549
• Cost of a comfortable retirement annually: $129,296

California

• Total annual expenditures: $83,906
• 20% comfort buffer: $16,781
• Cost of a comfortable retirement annually: $100,687

Massachusetts

• Total annual expenditures: $83,501
• 20% comfort buffer: $16,700
• Cost of a comfortable retirement annually: $100,201

The high cost of retirement in these states is mainly due to the expensive housing, which is usually the largest expense in American households. These states suffer from severe housing shortages, leading to a rise in prices.

The cost of food is influenced by the expense of importing goods, particularly in Hawaii, where this additional expense is passed on to consumers.

The median annual cost of a comfortable retirement in the U.S. is $66,870, according to data. However, there are still some rural states in the South where you can retire for under $65,000 a year due to their lower cost of living.

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