Retirement Cost in Kenosha, WI: 2026 Budget Guide
A comfortable retirement in Kenosha costs approximately $47,424/year — 9% below the national average of $52,000. Here's the full breakdown.
$47,424
Annual retirement cost
$3,952
Per month
$1,185,600
Nest egg needed (25× rule)
Direct Answer
Retiring in Kenosha, WI costs about $47,424 per year, or $3,952 per month. That is 9% below the national retirement budget benchmark, with an estimated $1,185,600 nest egg using the 4% rule.
Annual budget
$47,424
Range: $30,826-$68,765
Monthly budget
$3,952
Housing, healthcare, food, transport, utilities, and lifestyle
Portfolio target
$1,185,600
25x annual spending, before personalized tax planning
Tax note
State tax check
Review WI retirement income rules
Kenosha is near the national average for retirement costs. Factor in WI state taxes on retirement income when planning your budget.
Annual Retirement Budget in Kenosha
Based on BLS Consumer Expenditure Survey (65+ households), adjusted for Kenosha's cost index (92). Range: $30,826–$68,765.
How Much Do You Need to Retire in Kenosha?
Standard
$1,185,600
4% Rule (25×)
Most common retirement planning benchmark
Conservative
$1,422,720
3.3% Rule (30×)
Conservative approach for longer retirements
After SS
$26,424
Savings needed/year
After avg Social Security (~$21,000/yr)
How Kenosha Compares
Kenosha Annual Cost
$47,424
National Average
$52,000
Difference
$-4,576/yr
9% more affordable
Retirement Planning Tips for Kenosha
✓Research Wisconsin's tax treatment of retirement income — some sources like Social Security may be partially or fully exempt.
✓Housing in Kenosha accounts for roughly $16,598/year of retirement costs — consider whether renting or owning makes more sense given your timeline.
✓Healthcare costs here run approximately $8,536/year. Compare Medicare Advantage plans by ZIP code — coverage and premiums vary significantly.
✓The estimated nest egg needed to retire in Kenosha is $1,185,600 using the 4% withdrawal rule.
✓Kenosha's costs are near the national average, making standard retirement planning benchmarks a reliable guide.
Retirement Decision Checklist
Compare housing at $1,383/month against your rent, mortgage, HOA, and property tax plan.
Budget healthcare at about $711/month before Medicare supplement, dental, and long-term care choices.
Stress test the plan with the conservative $1,422,720 portfolio target if you want a lower withdrawal rate.
Use $26,424/year as the rough portfolio-funded gap after average Social Security assumptions.
More for Kenosha
Frequently Asked Questions
How much does it cost to retire in Kenosha?
A comfortable retirement in Kenosha costs approximately $47,424 per year ($3,952/month). This includes $16,598 for housing, $8,536 for healthcare, and $7,114 for transportation. Actual costs range from $30,826 to $68,765 depending on lifestyle.
How much money do I need to retire in Kenosha?
Using the 4% withdrawal rule, you need approximately $1,185,600 in savings to retire in Kenosha. For a more conservative 3.3% withdrawal rate (30× rule), the target is $1,422,720. If you expect average Social Security benefits (~$21,000/year), your portfolio needs to cover the remaining $26,424/year.
Is Kenosha a good place to retire?
Kenosha offers near-average retirement costs at $47,424/year. Standard retirement planning benchmarks apply well here.
What is the biggest retirement expense in Kenosha?
Housing is the largest retirement expense in Kenosha, accounting for approximately 35% of the budget at $16,598/year ($1,383/month). Healthcare is the second-largest at $8,536/year, followed by transportation at $7,114/year.