One place to consider is the Empire State if you want to retire. When you think of New York, you typically think of New York City, one of the biggest hubs for culture globally. Retiring to the Big Apple can ensure that you spend your later years in an area that's stimulating both physically and mentally. But, of course, New York is more than just the city. Outside of NYC, you can find beautiful landscapes, including Niagra Falls. So if you want to live in New York on a budget, you might be able to find a place there that you will love.
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The cost of living in New York is nearly 40 points above the national average. While utilities are slightly less, everything else is more expensive, especially the housing. Expect to pay over 130 points more than the national average, with a median home cost that is also more expensive. Of course, much of this is due to living in NYC, where buying a home can cost you much money. However, if you look to move outside of the city, you can find much more affordable homes. You can also get the best of both worlds by moving to a smaller town closer to the city.
Cost-of-living indices
100 = US average. Higher means more expensive.
Housing & rent
Statewide medians and averages.
Whether you're comparing options for a parent or planning ahead for yourself, here's where to start by care level.
Assisted living provides personal care, meals, and daily support for seniors who need help with everyday tasks but not full medical supervision.
Memory care is a specialized type of senior living for people with Alzheimer's disease, dementia, or other cognitive decline.
Independent living is community housing for active seniors who want amenities, social life, and freedom from home upkeep without daily personal-care services.
Home care brings personal-care services and companionship into the senior's own home rather than moving them into a community.
A skilled nursing facility (SNF, often called a nursing home) provides 24-hour licensed medical care and rehabilitation for seniors with serious health conditions.
Senior apartments are age-restricted rental homes - typically for residents 55+ or 62+ - designed for older adults who live independently.
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Hand-picked from our directory
Webster, NY
4.3 · 44 reviews
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4.4 · 41 reviews
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3.8 · 37 reviews
East Meadow, NY
4.0 · 36 reviews
Bay Shore, NY
3.9 · 35 reviews
East Northport, NY
4.7 · 34 reviews
Caregivers who come to you
55+ housing without daily care
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Guides for families
Resource library
In 2027, the full retirement age for Social Security finishes its long climb to 67. People born in 1960 are the first group to reach a full retirement age of exactly 67. Here is what that changes, what it does not, and how the age you claim still moves your check by hundreds of dollars a month.
Resource library
The federal government has stopped mailing most paper checks, and Social Security wants every beneficiary on direct deposit or a Direct Express card by the end of 2026. Fewer than 1 percent of recipients still get a check in the mail. Here is who is affected, how to switch, and the narrow exceptions that let a few people keep paper.
Resource library
The repeal of WEP and GPO restored Social Security for more than 3 million public-sector retirees, and the agency has paid about $17 billion in back benefits. But those lump sums are taxable, a surprise bill hit this filing season, and a proposal in Congress would change it. Here is where things stand.
Savings
McDonald's senior discounts vary by location and usually apply to coffee or other beverages. Learn how to check eligibility, request senior pricing, and compare your savings with app offers.
Buying guide
Compare 11 walking shoes for older women, with options for cushioning, stability, wider feet, and easy fastening. This guide covers fit, support, and trade-offs to help you choose a pair for your daily walks.
Buying guide
Learn how to interpret weight and BMI charts for women over 50, 60, and 70, including their limits. Understand why muscle mass, bone health, and changes in weight deserve attention alongside the number on your scale.
More beyond care: all savings guides and all buying guides.
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