FERS Retirement in High Cost Areas: DC, NYC, and SF Guide

Last updated: February 4, 2025

FERS Retirement Planning in High-Cost Areas

Federal employees in high-cost areas like Washington DC, New York City, and San Francisco face unique challenges and opportunities in retirement planning.

Plan for Your Location: Use our Retirement Planning Wizard to analyze cost-of-living impacts on your retirement.

Location-Specific Considerations

  • Locality pay impact
  • High-3 calculation strategies
  • Cost of living adjustments
  • Housing cost planning

Strategic Planning

  • Retirement location options
  • Tax implications
  • Benefit maximization
  • Relocation considerations

Optimize Your Location Strategy

Visit GovRet.com to:

  • Compare location costs
  • Analyze benefit variations
  • Plan retirement moves
  • Access location guides
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