The 10 Best Places To Retire In New York For 2021


We analyzed over 49 places in New York to identify the ones that offer the most to retirees.

Editor’s Note: Data has been updated for 2021. This is our seventh time ranking the best places to retire in New York.

If you think that New York is too big, too expensive, and too boring of a state to spend your retirement years, you're wrong.

And, folks, HomeSnacks is here to tell you why. More importantly, we've created a list of the best places to retire in NewYork for 2021. Incidentally, this is our seventh time ranking The Empire State's best places to retire, so trust us when we that these are the best of the best.

How'd we determine the best places to retire in New York? Well, we know that when people are searching for the best places to retire, they are looking for things like nice looking homes, great parks, and friendly neighbors; and folks, New York's best places to retire have all this and then some. But in order to rank the best, we had to give each place an actual concrete score: we call this a city's overall 'Snackability'. To get this score, we consulted the numbers. In total, we analyzed 44 cities. We looked at important factors like cost of living, crime, amenities, rent and distance to closest airport for every place with over 10,000 residents.

Living in upstate New York does seem to be the best deal for most retirees, but there are awesome places sprinkled throughout the state for every retirement budget. There's Tonawanda for the retiree that can afford a boat and a boat slip, Beacon for the retiree that likes a quaint downtown with plenty of coffee shops and local chatter, and make sure to give Lockport a second look if living close to Niagara Falls is your schtick.

So, where are these amazing places in New York where the cost of living is doable on a retirement budget, where crime is low, and neighborhoods are safe? Read on.

The 10 Best Places To Retire In New York For 2021

  1. Ogdensburg
  2. North Tonawanda
  3. Canandaigua
  4. Beacon
  5. Tonawanda
  6. Rye
  7. Long Beach
  8. Olean
  9. Dunkirk
  10. Oneida

Why did Ogdensburg take the top spot? And where are New York and Buffalo?

New York really looks out for its retirees. Did we mention that New York is great for people looking to retire because the state offers lower property taxes for people over 65 and there are no taxes on Social Security benefits or retirement account distributions? New York really looks out for its retirees.

So, where is the best place to retire in New York? Well, according to the latest data, Ogdensburg is the best place to retire in New York for 2021.

Want to know the other places that made this list? Take a look below; and if you don't see what you're looking for there, head to the bottom.

For more New York state reading:

The 10 Best Places To Retire In New York For 2021

Ogdensburg, NY

Overall SnackAbility

5
/10

Population: 10,635
Rank Last Year: 1 (No Change)
Median Rent: $627
Distance to Closest Airport: 1 miles
More on Ogdensburg: Real Estate | Data | Photos

North Tonawanda, NY

Source: Public domain
Overall SnackAbility

8.5
/10

Population: 30,487
Rank Last Year: 2 (No Change)
Median Rent: $706
Distance to Closest Airport: 5 miles
More on North Tonawanda: Real Estate | Data | Photos

Canandaigua, NY

Overall SnackAbility

8.5
/10

Population: 10,287
Rank Last Year: 3 (No Change)
Median Rent: $838
Distance to Closest Airport: 25 miles
More on Canandaigua: Real Estate | Data | Photos

Beacon, NY

Overall SnackAbility

8.5
/10

Population: 13,634
Rank Last Year: 4 (No Change)
Median Rent: $1,323
Distance to Closest Airport: 7 miles
More on Beacon: Real Estate | Data | Photos

Tonawanda, NY

Overall SnackAbility

7
/10

Population: 57,027
Rank Last Year: 5 (No Change)
Median Rent: $863
Distance to Closest Airport: 7 miles
More on Tonawanda: Real Estate | Data | Photos

Rye, NY

Overall SnackAbility

10
/10

Population: 15,820
Rank Last Year: 7 (Up 1)
Median Rent: $2,195
Distance to Closest Airport: 21 miles
More on Rye: Real Estate | Data | Photos

Long Beach, NY

Source: Public domain
Overall SnackAbility

7
/10

Population: 33,507
Rank Last Year: 8 (Up 1)
Median Rent: $1,874
Distance to Closest Airport: 7 miles
More on Long Beach: Real Estate | Data | Photos

Olean, NY

Overall SnackAbility

6
/10

Population: 13,670
Rank Last Year: 10 (Up 2)
Median Rent: $648
Distance to Closest Airport: 61 miles
More on Olean: Real Estate | Data | Photos

Dunkirk, NY

Source: Public domain
Overall SnackAbility

6
/10

Population: 11,865
Rank Last Year: 6 (Down 3)
Median Rent: $663
Distance to Closest Airport: 44 miles
More on Dunkirk: Real Estate | Data | Photos

Oneida, NY

Source: Public domain
Overall SnackAbility

5
/10

Population: 10,948
Rank Last Year: 9 (Down 1)
Median Rent: $739
Distance to Closest Airport: 22 miles
More on Oneida: Real Estate | Data | Photos

How We Determined The Best Places To Retire In the Empire State for 2021

To create our list of the best places in New York to retire, we first used Census data to find all places in the Empire State -- 1186 cities and towns.

We then narrowed it down to places with at least 10,000 people that weren't townships. This left us with 44 places from across the state.

For these 44, we looked at the following criteria taken from the Census, the FBI's Crime Report, National Weather Service, and OpenFlights:

  • Low cost of living as measured by rent
  • Low crime
  • Things to do (Museums, Colleges, and Libraries in town)
  • Nice weather
  • Distance to the closest international airport
  • Other retirees (High median age)

We then ranked each of these places for each criteria from one to 44, with the lowest number being the best.

Finally, we took the average rank across these criteria. The place, in this case Ogdensburg, with the lowest average rank was crowned the best of the best, a place for you to start your second careers. You can download the data here.

Maybe You're Not Ready To Retire In New York Yet...

So there you have it, the best place to retire in New York goes to Ogdensburg.

If you're not ready to hang up your office apparel yet, then these places might be up your alley:

  1. Ithaca
  2. New York
  3. Utica

For more New York reading, check out:

Where Are The Best Places To Retire In New York?

Rank City Population Median Rent
1 Ogdensburg 10,635 $627
2 North Tonawanda 30,487 $706
3 Canandaigua 10,287 $838
4 Beacon 13,634 $1,323
5 Tonawanda 57,027 $863
6 Rye 15,820 $2,195
7 Long Beach 33,507 $1,874
8 Olean 13,670 $648
9 Dunkirk 11,865 $663
10 Oneida 10,948 $739

How Is The Area In ?

About Chris Kolmar

Chris Kolmar has been in the real estate business for almost ten years now. He originally worked for Movoto Real Estate as the director of marketing before founding HomeSnacks.

He believes the key to finding the right place to live comes down to looking at the data, reading about things to do, and, most importantly, checking it out yourself before you move.

If you've been looking for a place to live in the past several years, you've probably stumbled upon his writing already.

You can find out more about him on LinkedIn or his website.