The 10 Worst States for Retirement - No. 5: Maryland

By Richard Barrington - CFA, personal finance expert for MoneyRates.com

Economic factors: Cost of living is 126 percent of the national average, unemployment is at 7.1 percent, and the average state and local tax burden is 10.8 percent.

Climate: Average monthly temperatures range from 32.24 degrees in January to 75.44 degrees in July.

Crime rate: 9th in the nation in violent crime, and 21st in property crime.

Life expectancy: 76.3 years.

Reason for low rank:Between the cost of living and the tax burden, Maryland is expensive, and the high rate of violent crime is also troubling.

<a href="http://www.huffingtonpost.com/richard-barrington/the-10-worst-states-for-r_b_779210.html?ref=fb&amp;src=sp#s175224">http://www.huffingtonpost.com/richard-barrington/the-10-worst-states-for-r_b_779210.html?ref=fb&amp;src=sp#s175224</a>;