9. Rhode Island

Despite its small size, Rhode Island benefits from a dense, highly developed economy heavily reliant on healthcare, education, and specialized financial services. Its immediate proximity to both the Boston and New York economies keeps regional wages highly competitive. Retirees here reflect a legacy of steady professional sector salaries that characterized the region over the last several decades.

10. Virginia

Driven almost entirely by the economic force of Northern Virginia, the state rounds out the top ten. The Dulles technology corridor, combined with the massive presence of the Department of Defense, Pentagon staff, and global security contractors, creates a dense population of high earners. The steady, high-paying nature of government contracting ensures that these workers maximize their Social Security credits with remarkable consistency.