In determining the rankings, it considered the following factors: cost of living, health care quality and affordability, tax burden, weather, crime rate, cultural vitality, walkability and overall well-being.

Here you'll find the cities that Bankrate determined were the 10 worst for retirees, based on the criteria above.

High taxes and high cost of living overshadow New York City's other assets for retirees. (Photo: Getty)

10. New York, New York

The Big Apple has "great" walkability and culture, and a low crime rate. But then there are the drawbacks: Very high taxes, a very high cost of living, and "below average" well-being, weather and, surprisingly, health care mean you might want to think twice before making the city that never sleeps your home in retirement.

A pretty Little Rock sunset doesn't make up for a high crime rate when assessing best places to retire. (Photo: Getty)

9. Little Rock, Arkansas

Little Rock does have some advantages: a low cost of living, good health care and good weather.

But beyond that, a very high crime rate, a poor well-being rating, taxes that are only "average" and "below average" walkability and culture make for a less than fantastic retirement destination.

Worcester does have beautiful weather sometimes — witness this photo of its downtown. (Photo: Getty)

8. Worcester, Massachusetts

A poor weather rating is probably to be expected when a city is ranked low on best places to retire, but Worcester also has high taxes, a high cost of living, and a high crime rate.

Couple that with "below average" well-being and culture and "average" health care, and the city's "good" walkability doesn't count for much—especially in that "poor" weather.

Troy has a high crime rate, unfortunately, and high taxes, although this picture proves that its weather isn't always poor. (Photo: Getty)

7. Troy, New York

This Empire State city has an "average" cost of living, "very high" taxes and a "high" crime rate.

While it also boasts a "good" walkability score and an "average" culture rating, it has "poor" weather and "below average" well-being and health care.

Buffalo, being on Lake Erie, does suffer from the "lake effect" storms, but it also has some beautiful places to walk, such as near its lighthouse. (Photo: AP)

6. Buffalo, New York

Ah, another New York city. Poor Buffalo. A "very high" crime rate kind of cancels out the "great" walkability factor, while "poor" weather and "below average" well-being, health care and culture pretty much do the same for a low cost of living.

This 2014 photo of Cheektowaga, the second largest suburb of Buffalo, shows why it was rated in the "poor weather" category. (Photo: AP)

5. Cheektowaga, New York

Pity poor New York. It outdoes Connecticut for the total number of cities making the bottom 10—in fact, it accounts for half the list.

Cheektowaga does its part with four "below average" ratings: for well-being, walkability, health care, and culture. Despite the fact that crime and the cost of living are low here, taxes are "very high" and the weather gets a "poor" rating.

San Bernardino received poor rankings for high taxes, among other factors. (Photo: Getty)

4. San Bernardino, California

One might think that at least some things would be rosy out in California, at least in a few factors beyond the weather (which, despite this city's "good" ranking, is taking a beating elsewhere in the state at present).

But not so, at least in San Bernardino—where a high cost of living and crime rate, very high taxes and "poor" culture vie with "below average" ratings in well-being, walkability and health care.

New Haven, and of course, Yale University, located there, was rated 'great' for walkability but poor for its high crime rate. (Photo: Getty)

3. New Haven, Connecticut

Poor Connecticut—two cities in the bottom 10. New Haven ranked higher than Milford because it has "great" walkability—although it also has a high crime rate that may render that advantage moot.

A high cost of living, very high taxes, a poor well-being rating and "below average" rankings for health care, weather and culture round out this city's demerits.

Although Milford rates quite low in cost of living and walkability, nearby Silver Sands State Park is an asset. (Photo: Getty)

2. Milford, Connecticut

Milford has a few strikes against it as well. In fact, it's easier to list the positives it got in this rating process: a low crime rate.

Other than that, it has a high cost of living, very high taxes, a poor well-being score, and was ranked "below average" in walkability, weather, health care and culture. Not exactly a sterling recommendation…

Niagara Falls rated the worst as a retirement relocation city based on its high taxes and high crime rate, but even in winter, its walkability isn't so bad, if you like stunning views of falling water. (Photo: AP)

1. Niagara Falls, New York

So the honeymoon destination of millions of newlyweds over the decades is actually rated the worst place to retire for folks on the other end of life. That's partly due to its crime rate ("very high"), its taxes (also "very high"), and its "below average" rankings for well-being, health care and culture.

On the flip side, it does have a low cost of living and "good" walkability. Although, considering winters in that part of New York…well, watch your step.