The choice of where to retire can be a challenge.There are so many things to consider.

Will you stay close to family or are you looking for a change ofscene?

Of course you also need to consider other important elements.How safe is the city you're thinking of, for instance? How's thehealth care there? Bankrate.com analyzed nearly 200 cities ofvarying sizes, taking into account a 2015 poll that asked whatpeople looked for in a retirement destination, as well asthe challenges retirees will face in the coming years.

In determining the rankings, it considered the followingfactors: cost of living, health care qualityand affordability, tax burden, weather, crime rate, culturalvitality, walkability and overall well-being.

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

10. New YorkCity

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

9. Little Rock,Ark.

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-beingrating, taxes that are only average and below average walkabilityand culture make for a less than fantastic retirementdestination.

8. Worcester,Mass.

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

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

7. Troy, N.Y.

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

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

6. Buffalo,N.Y.

Ah, another New York city. Poor Buffalo. A very high crime ratekind of cancels out the great walkability factor, while poorweather and below average well-being, health care and culturepretty much do the same for a low cost of living.

5.Cheektowaga, N.Y.

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

Cheektowaga does its part with four below average ratings: forwell-being, walkability, health care, and culture. Despite the factthat crime and the cost of living are low here, taxes are very highand the weather gets a poor rating.

4. SanBernardino, Calif.

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

But not so, at least in San Bernardino—where a high cost ofliving and crime rate, very high taxes and poor culture vie withbelow average ratings in well-being, walkability and healthcare.

3. New Haven,Conn.

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

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

2. Milford,Conn.

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

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

1. Niagara Falls,N.Y.

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

On the flip side, it does have a low cost of living and goodwalkability. Although, considering winters in that part of NewYork…well, watch your step.