(NewsNation) — Retirement is often thought of as a time of relaxation, but depending on your income and state of residence, it can vary.

The island paradise of Hawaii is widely considered a retirement haven, but the cost to retire there may make it prohibitive for some Americans.

Hawaii is often ranked the most expensive state to retire in, a feat evidenced in WalletHub and GOBankingRates‘ recent lists on the subject.

“If you want to go grocery shopping in Hawaii, you’re looking at grocery prices that could be as high as 30% more than somewhere else in the nation,” Bobbi Rebell, a certified financial planner, told “Morning in America Weekend.”

According to GOBankingRates, you need $2.2 million to retire in Hawaii, given its annual cost of living of $111,000. Trailing next are California and Massachusettes (at $1.6 million), New York ($1.3 million), and Alaska ($1.3 million).

In the same list, the most affordable state is West Virginia, with $713,000 needed to retire, as a result of an annual cost of living of $51,000.

Kansas (at $741,000), Mississippi ($753,000), Oklahoma ($759,000), and Alabama ($773,000) are the next cheapest.

Taking affordability, quality of life and health care into account, WalletHub ranked Florida as the best state to retire in, followed by Minnesota, Colorado, Wyoming and South Dakota.

“It is absolutely more affordable in terms of housing; a state like Florida has great health care options … It’s a very active lifestyle,” Rebell added.

WalletHub’s worst-ranked states were Kentucky, Louisiana, Mississippi and Washington. From an affordability perspective, Hawaii, Massachusetts, Washington, New York and New Jersey were the most expensive.