SAN FRANCISCO (KCBS) — So just where is the best place for Americans to retire? Florida? California? Hawaii? No, it turns out that South Dakota is the best place to live out those golden years, according to a new survey that takes taxes, climate, crime rates, health care and cost of living into account.

Bankrate, a personal consumer finance company has ranked the best states to retire on their website. The Dakota’s—both North and South are in the number one and four position respectively with Colorado, Wyoming and Utah rounding out the top five.

READ MORE: 16-Year-Old Girl Dead, Woman Wounded in Friday-Evening Shooting in San Francisco

California ranked 28th overall mainly because it’s so costly to live here. However, the Golden State scored well on weather and well-being.

READ MORE: Belmont Police Search for Missing Woman and Her 3-Year-Old Son

Other factors that the survey measured in their findings included how happy people were and how satisfied they are in their retired lives.

Bankrate researcher Chris Kahn said he was surprised at some of the results and at how places like Arizona and Florida did not even crack the top 10.

MORE NEWS: Grass Fire That Burned 15 Acres on Altamont Pass Slows Traffic for Hours

Among the worst places for retirees according to the list were New York, West Virginia, Alaska, Arkansas and believe it or not, Hawaii.