The Southern Cross Healthcare Group surveyed 2000 New Zealanders nationwide, asking them if they were worried about, not worried, or in between, on 11 topical issues affecting New Zealand at the moment.
Dunedin residents were found to be a contented bunch, having significantly fewer worries than the average New Zealander.
People from Hamilton were found to have 8% more worries than the average Kiwi, making the city the most worried in New Zealand - even more worried than people from Christchurch, who were found to have on average 5% more worries than the typical New Zealander.
Dunedin people are not completely worry-free. Insurance costs topped their list of worries, with 53% saying rising home and contents insurance premiums were of concern.
The next biggest concern was leadership of the country (52% of people worried) and rising crime rates (46%).
Being able to retire comfortably was the fourth biggest concern, with 45% of Dunedin residents worried about this.
Dunedin people also harboured health-related worries, 42% saying they were worried about their family's health and 32% about their own health.
Southern Cross Healthcare Group chief executive Ian McPherson said concern over the ability to retire comfortably would become more prominent in years to come.
"The ageing population is presenting some significant funding challenges for New Zealand.
"It's very likely the share of personal responsibility we will have to take for costs in retirement, such as for elective healthcare, will grow.
"So as a nation, we need to start talking about how to support people to best make provision."
Mr McPherson said the same survey was done in May 2011 and found Christchurch people were the most worried New Zealanders.
However, this year it was retired people who topped the list, having on average 13% more worries than the typical New Zealander.