Many of the worst states for retirement either suffer from high costs or a dearth of recreation and healthcare services, according to a new study by WalletHub.

The study focused on which states offer the best—and worst—environments for retirees, taking into account 47 data points within the three broad categories of healthcare, affordability and quality of life.

Many states at the bottom of the list are notable for their high cost of living, which in some cases offsets high marks for quality of life and healthcare services.

WalletHub said in its report that it should be no surprise that cost factors are weighted so heavily when considering retirement destinations.

"Even in the most affordable areas of the U.S., most retirees cannot rely on Social Security or pension checks alone to cover all of their living expenses," WalletHub said in the report. "Social Security benefits increase with local inflation, but they replace only about 37% of the average worker’s earnings."

The report also emphasized that finding the right location for retirement is critical considering that 25% of non-retired U.S. adults haven't saved any money for retirement.

"In addition, only 40% of non-retired adults think their retirement savings are on track," the report stated.

The following, in descending order, are WalletHub's worst states for retirement:

10. Arkansas

Arkansas is next to last in the nation in the quality of life category. It also has the fewest museums per capita in the U.S. The state does, however, rank high for affordability, placing 8th in that category.