HARLINGEN, Texas (ValleyCentral) — A $1 million nest egg won’t last you forever in retirement, but how long should it cover expenses in Texoma?

A recent analysis suggests that million dollars might be enough for Americans to retire in Wichita Falls.

According to a study provided by SmartAsset, a financial advising firm, $1 million lasts 26.53 years in Wichita Falls.

Another Texas town, Harlingen, ranked number 1 out of more than 200 cities included in the study.

The top 10 US cities for making $1 million last through retirement

RankCityHousing ExpensesFood ExpensesHealthcare ExpensesUtilities ExpensesTransportation ExpensesYears in Retirement
1Harlingen, TX$6,018$4,519$5,588$4,014$5,26933.71
2Kalamazoo, MI$4,710$4,439$6,328$3,632$5,71132.94
3Muskogee, OK$5,255$5,305$5,441$3,609$5,25132.78
4Topeka, KS$7,892$4,393$6,621$3,628$5,65531.03
5Decatur, IL$5,959$5,390$5,654$3,670$5,91030.93
6Statesboro, GA$6,802$5,225$5,754$3,560$5,48730.93
7Amarillo, TX$7,099$5,140$5,734$3,564$4,79030.91
8Richmond, IN$6,673$4,872$5,421$3,760$5,94730.77
9Anniston, AL$5,751$5,242$5,221$4,619$5,54930.61
10Conway, AR$7,069$4,923$5,801$3,560$5,67430.55

The analysis considered factors such as expenses for housing, food, healthcare, utilities, and transportation.

SmartAsset applied cost of living data from the Council for Community and Economic Research to adjust those national average spending levels based on the costs of each expense category — and assumed the $1 million would increase at a net annual return of 2% after inflation.

“For any prospective retiree, it helps to know how long your nest egg will last in retirement,” Sabato said. “Whether it’s a conservative goal or an aspirational figure, you need to know how much mileage your money will get.”

Texas was one of the more affordable states for retirement in the analysis, which showed the most affordable states to typically be in the Midwest and southern regions of the United States.

Top 10 Texas cities for making $1 million last through retirement

RankCityHousing ExpensesFood ExpensesHealthcare ExpensesUtilities ExpensesTransportation ExpensesYears in Retirement
1Harlingen$6,018$4,519$5,588$4,014$5,26933.71
2Amarillo$7,099$5,140$5,734$3,564$4,79030.91
3Nacogdoches$6,950$4,838$6,201$4,063$5,39428.57
4Corpus Christi$8,081$4,798$5,761$4,415$5,77328.01
5Waco$7,426$4,467$6,208$4,101$5,47427.96
6Lubbock$8,130$5,134$6,288$3,435$5,21927.31
7Texarkana$6,990$5,339$5,935$3,514$6,08427.07
8Midland$7,902$4,855$6,428$3,590$5,84226.87
9Wichita Falls$7,843$5,236$6,495$4,173$6,06526.53
10Houston$8,081$5,510$6,695$3,696$5,63626.50