Great Rural Towns in New York to Retire or Buy Real Estate. (2023)


Great Rural Towns in New York to Retire or Buy Real Estate.

Are you sick of the city? Want to find a rural town, get a mortgage, and real estate in rural New York? Today we are looking at the Empire State, New York.
And yes, NY has rural towns. An odd amount of people don’t understand that New York is so much more than New York City.
A couple of things about rural New York towns. They tend to be a little more expensive than other states and the weather can be bi-polar. Summers are amazing, but winter can be horrible.
What we are looking for is that sweet spot. A decent place to live that isn’t too close to any major cities, easy on the crime rate, not 5 hours away from a hospital or so far out they have horrible internet.
In the other videos, I explained that not all states have 10 good rural towns and I don’t want to waste your time with some places that are a reach and shouldn’t be on the list. Got it? Get it? Good.
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Are you sick of the city? Wanna, find a rural town, get a mortgage and some real estate in rural New, York.

If, you said, yes, keep watching that's right: today.

We're, looking at the empire, state, New, York and yes, New York has rural towns.

For some reason.

An odd amount of people.

Don't understand that New York is so much more than New York city.

I mean they did when I was a kid, but don't.

They teach geography anymore.

In school, strange, a couple things about rural New, York towns.

They tend to be a little more expensive than other states, and the weather can be bipolar.

At best.

Summers in New York state are amazing., Winters can be horrible., I, mean, New York summers are great because they have so many lakes and creeks and rivers, everywhere.

They're, just a great place, especially to be a kid in the summer.

But yeah, those winters get rough.

So we're looking for that sweet spot, a decent place to live that isn't too close to any major city.

It's easy on the crime.

Rate, not five hours away from a hospital and not so far out in the sticks.

You can't get good internet.

Like I explained in the past videos.

Not all states have 10 good rural towns that fit our criteria.

And I.

Don't wanna waste your time trying to get to 10 with some towns that really don't cut the mustard.

Get it.

Got, it.


Let's, take a look.

Number six, lake George, New, York lake Georgia, and really the whole area around here is beautiful and historic.

It's got Fort William Henry right in town, right on the lake.

It's amazing.

Fort William Henry was a British Fort at the Southern end of lake George in the Providence of New York.


The time the Fort's construction was ordered by sir William Johnson in September of 1755.

During the French and Indian war.

If, you watch the movie last, the Mohicans.

That was the Fort.

The British were in right before they surrendered and then got massacred as they left.

The Fort lake.

George has a population of about a thousand residents and they get a thumbs up when it comes to their crime.


It's actually 23% lower than the national average.

Now, one thing about their crime: rate, it kind of jumps in the summer when they got a bunch of people, come to the lake and do stupid, stuff.

But most of the year.

This is an extremely safe place to live.

I would say their crime rate goes down about 20, more percent during the non-summer months.

When it comes to internet, they can get a thumbs up there.


You can get one gig from spectrum and they cover a hundred percent of the town.


That's outstanding.


It comes to hospitals.

They got a couple doctors in town, in a small clinic, but they got a full size hospital right down the road.

So they get a thumbs up for that.

It's in Glen, falls., It's, 15 minutes to the south.

They've got emergency room.

Everything, you're, gonna, need.


You take a look at lake Georgia's, real estate, it's pretty good.

I mean, we'll give 'em a thumbs up because they have a lot of things for sale and they have a wide variety.

They have a lot to choose.


The downside is the cheapest you're gonna find is around 400,000.


It goes all the way up into a couple million for lakefront property.

I would say, if you wanna, get someplace nice, you're, probably looking five 50 to six 50.

That'll, get you a nice three bedroom, two bath type, thing.

It's, not gonna, be right on the lake.

It'll, probably be right in town or maybe even outside of town, but it'll be a good place to live.


Looking around 600,000 or so.

Number, five Ellicotville New York Ellicotville is a village in Western New York.

It is known for two ski resorts, including holiday valley, which is pretty much right in town.

They got normal skiing.


They got cross country, skiing, trails.


In the summer they have an adventure park that has one of those really cool mountain coasters., I love those things.

They've been dubbed the Aspen of the east, unlike Aspen, starting money for a one bedroom, condo.

Isn't, 900,000.

It's, actually kinda reasonable, here., El Cutville sits about an hour south of Buffalo, and they have a population of about 356 residents.

That balloons up a little bit during the season.

I'm sure they get a big thumbs up for their crime.


Their crime rate is 45% lower than the national average, which is outstanding.

Like number six on this list, lake, George, I'm sure a lot of their crime has to do with people showing up to ski or whatever, getting a little too twisted and doing stupid, stuff.


If they do do stupid stuff and they get injured, they're in the right, place.

El Cutville gets a thumbs up for their healthcare.

They got a few doctors and some orthopedic places in town.


You need a full size.

Hospital, Springville is like 25 minutes up the road and they got a full blown hospital, big campus, there.

You're good to go.


It comes to internet.

They have spectrum offers one gig to 96% of the town, which is again outstanding.

This is in the Hills.


You don't get that kind of internet out in the mountain.

Ish areas of rural, any state, really.

When it comes to real estate, they get a thumbs up because they got things all over.

The map.

You can get an older home right.

Now, four bedroom, two bath.

It looks nice.

It's had some work done to it., It's not fallen apart for 275,000 and homes.

Go all the way up over a million.

This is a ski resort town, but it still has reasonable homes in town.

And on the outskirts of town.

You could find a really nice place here for 275 on up to 400,000.

Anything in that range will probably be nice.

Number four, lake PLA, that's right.

Lake PLA the place that had the Olympics.


We all know it because the miracle on ice, if you don't know what that is.

That's when the us hockey team actually beat the Russians long story.

Don't want to go into it.


Basically, a bunch of college kids beat a professional team is what it breaks down.


Even, though lake plad was a venue for the Olympics.

It's, really not that big of a place.

It only has about 2,400 residents, currently.

And back in 1980.

It had about the same number.

They peaked in 1940 with 3,200 residents and have been losing a couple dozen.

Every single census., There's 1,000,001 reasons why people leave a town, but this place that's gotta be., The jobs.

May the cold.

It's beautiful.

The people are wonderful.

This is a great option for someone that works, remotely, that doesn't mind, cold weather and you know, likes to ski.

This is a great place to live.

Lake PLA sits a little over two hours, north of Albany, New York, and about an hour and 20 minutes north of lake George lake plaid gets big thumbs up for their crime, rate.

It's, actually 65% lower than the national average.

It's too cold to commit crimes.


What's, a crime in lake Placid, like going to the grocery store and CROs and socks.

Lake PLA also gets a thumbs.


When it comes to healthcare.

They got the Aron dock medical center in town.

That one closes around 8:00 PM.


You need anything after that, like an emergency room, about 18 minutes Northwest on lake Colby.

They have the Aron Dyke medical center ambulatory, which has the emergency room and all the other good stuff.

You need.

They also have a few different doctor's offices in town.


It comes to internet, they're, doing outstanding, just like most of rural New York.

They have spectrum which offers one gig and they offer to about 98.9% of the town.

So pretty much everyone.

Lake Placid also gets a thumbs, up.


It comes to real estate.

The downside is your starting money.

Here's gotta be around $400,000, but they don't have anything.

That's run down or anything like that.

$400,000 right now will get you a home with three bedrooms, two baths.

It's a little bit older.

It's a little bit outside of town, but it goes all the way.


2, million, 2.2, million.

They've got a lot of really nice estate type places.


You could usually find most of the homes here are gonna, be between six and 700,000.


That's pricey for a lot of us.

Like I tell all the people that leave me comments that say, nobody could afford those prices.

Well, somebody could afford those prices or they wouldn't be those prices.

Number, three cold spring, New York, I've been to cold spring.

I slipped on ice right in front of like the village building or whatever in front of two cops.


They started laughing.

And one of 'em asked me if I was from Arizona, cuz I, don't look too steady on the snow.

He was correct.

Not about the Arizona part.

I was from Southern California, but I.

Wasn't too steady on the snow.

So I dusted myself off and stood up, walked.

Three more steps, fell, again.

They, laughed harder., I.

Finally, just crawled into the place we were going to right next, door.

cold spring sits across the Hudson river from west point, which is the United States army military academy.

In case you don't know.


It is great to go, see a football game, there.


Why I was in town.

I shouldn't say in town, I was in the whole area.

I was visiting a bunch of different places and cold Springs.

One of the ones I went to, they have a nice downtown.

It's, actually a really cute little downtown and you get to walk down main street, which is filled with coffee shops and nice restaurants, little boutique type, places.

It's a great little town.

Cold spring, has a population of about 2000 residents and they get a big thumbs up for their crime.


Their crime rate is actually 81% lower than the national average.


Don't get any crime.


I think it should be a crime to laugh at visitors when they fall on the ice.


That's just me.


It comes to internet.

They get a big thumbs.


And this time, it's not from spectrum.

It's from uh, Optima.

They get one gig and they offer to 96% of the town.


They get a thumbs up for that.


It comes to healthcare, they get another thumbs.


They got a couple: doctors and a medical clinic in town.


If you need an emergency room or anything like that, you just got a 20 minute ride south to peak skill where they got the full blown hospital, emergency room and all that good stuff.

New York is no lightweight.

When, it comes to hospitals, they got 'em everywhere.

They're, always a short drive away and they got plenty of doctors.

It's a good place to be sick.

Just gotta deal with the cold and the price.

Most of the time.

Speaking of price.

They get a thumbs, up.


It comes to real estate.

They have a lot to choose from and a wide variety of options.

I mean, starting off around $415,000 is the cheapest thing they have right now in town.


It goes all the way up to like estate that are 1.5, 1.4, million.


They got something for almost everyone's budget and you get to go, see west point games whenever they play.

You, know, I, wonder I was only in the stadium.

I wasn't over there when the game was being played, but every time they score a touchdown.

They shoot this cannon off.


If you could hear it all the way over there? Who, knows? Let me know in the comment section, if you can.

Number, two Millbrook, New York Millbrook, sits about two hours, north of New York city.

And, about 20 minutes, Northeast of Poughkeepsie, New York.

They have a population of about 1400 residents and they've lost population.

Most senses, since they peaked at 1,736 in 1970.

That got me kind of thinking, well, who's from here.

Why are people leaving? So I did a little research and I went to their Wikipedia page and on their notable people thing, they list like 30 people like Mary, Tyler, Moore, bet, Midler, Rick, O, Kasik, Robert Trump.

Nobody on the list is from Millbrook., They may have lived there, maybe a year or two or something like that.


None of them were born and raised in Millbrook.

It's, like their Wikipedia page, is lying to us, but they do get a big thumbs up for their crime.


Their crime rate is actually 82% lower than the national average, which is outstanding.

They, get a big thumbs up when it comes to internet.

They have more than a couple to choose from, but they got optimum and that offers one gig and they say they cover 99% of Millbrook.


It comes to healthcare, they get a thumbs up because they got a couple.

Doctors' offices in town, along with an audiology place for those retirees that may need a hearing, aid.

So, that's a plus anything major or an emergency room.

You're gonna have that 20 minute drive to kesie where they have the mid Hudson regional, hospital.


It comes to real estate.

They get a thumbs up.

Also because they've got a lot to choose.


It starts off around 400,000 and works its way up to almost $10 million.


They have some homes for 1, 2, 7, 14, and 10 million., The ones that are in the seven, 10 and 14 million area.

Those, look like estate that come from old money that you'd see in a movie or something like that., But yeah.

They do have smaller homes that look nice.

Looks like they're, well maintained a little bit older and they go for about 400,000.


You should be ready to pay at least 500,000 for a decent home though.

All right, before we get to number one, don't forget.

We have another channel called on this.


And, like the last video I, did about Iowa, I'm gonna leave the link to that program that the department agriculture has to help you buy rural homes.

I doubt any of the areas in New York are on their list, cuz.

It's specific areas where they'll basically help you get a loan for no money down to buy a rural piece of property.

It's normally places nobody wants to move to people wanna move to these places.

So I, doubt any of these communities qualified, but I'll put it down there.


All right on to number one and number one, skinny Atlas, New York, skinny Atlas is a town in upstate New York on skinny Atlas, lake.

It, it's about 25 minutes west of Syracuse on the Northern tip of skinny Atlas lake.

The, word, skinny! Atlas is actually a Equa term for long lake., This.

Isn't the finger lake region of New York.

If, you look from a map.

It looks like a bunch of skinny, long lakes, kinda, look like fingers, finger.

Lake region.

This is a great place to live.


You can afford it.

They got about 7,000 residents, here, which kind of gets us close to where I wouldn't consider it a rural town, but it is kind of away from everything.

And, it's a lake town and they get a giant thumbs up for their crime.


It's, actually 85% lower than the national average, which, like we've learned, is outstanding.

Keep in mind.

There's places in this country where their crime rate is like 400% above the national average.

So, if you're even, you're doing great, if you're 85%, lower, you're doing outstanding.

Especially with 7,000 residents.

This town also gets a big thumbs up for their internet.


Again, one gig covers 97% of the town, which, like we've learned, is great.

They also have Verizon fiber here, which covers 86% of the town.


They also offer a gig.

Well, just under 940 MVPs.


It comes to hospitals, they're.

Doing great.

They got a couple doctor's offices in town, but if you need things beyond what they can do, you got upstate community hospital, which is on this side of downtown Syracuse, about 20 minutes outside of Guinea Atlas.


It comes to real estate.

They get a thumbs up there too, because they're all over the map, and they have something for everyone.

The homes here range from $3 million lakefront homes to homes that are, you know, a couple hundred yards off the lake that are going for 450 to 500,000.


Realistically, your starting money here is gonna, be 450,000 and probably in between 450,000 and 600,000, we'll get you something: decent.

But! If you got three or 4 million laying around, you can get a lakefront home with your own dock and all that in one of the most beautiful regions in this country.

All right.

That's, today's video.

Hope, you guys enjoyed it.


You got some information out of it.

Now go out, have a great day.

Be nice to each other.


Where is the best place to retire on a NY pension? ›

Monroe, Westchester, Onondaga, Saratoga, Dutchess and Oneida counties round out the top ten. All told, retirees and beneficiaries in the top ten counties received $6.5 billion in NYSLRS retirement benefits in 2021-2022.

What part of New York is most rural? ›

Hamilton County (N.Y.) is the state's most rural county. The county is about the size of the State of Delaware, but in the 2020 U.S. Census, reported a population of only 5,107.

What is the most rural town in New York? ›

New York's most rural place is Hamilton County, northwest of Saratoga Springs. All of the county's 1,717 square miles are considered rural, according to a recent list from Stacker. It's the only 100% rural county in the state.

Is New York a good place to retire? ›

Although it ranked in the top 10 in terms of quality of life and 16 in health care, New York's overall score was clearly weighed down by its affordability rating. The poor score is likely due to the fact that New York has the second-highest cost of living behind Alaska and third-highest tax rate of any state.

Is NY or NJ better for retirees? ›

New Jersey, New York Ranked Worst Places to Retire

New York, which ranked 7th in the country for healthcare and 12th for quality of life, received a score of 42.5. New Jersey received a score of 40.3.

What is the best county to retire in NY? ›

Nassau County

#1 Best Counties for Retirees in New York.

What are rural areas in New York? ›

compiled a list of the most rural counties in New York using data from the U.S. Census Bureau.
  • #45. Lewis County. Updated Mar 26, 2022. ...
  • #15. Schenectady County. Updated Mar 26, 2022. ...
  • #20. Onondaga County. Updated Mar 26, 2022. ...
  • #14. Albany County. ...
  • #10. Orange County. ...
  • #9. Dutchess County. ...
  • #41. Niagara County. ...
  • #7. Saratoga County.
Apr 16, 2021

What is considered the countryside of New York? ›

New York's countryside in Upstate New York is known for the Catskills, Hudson River Valley, Adirondack Mountains, Long Island, and the Adirondack Mountains. This massive range contains the highest peaks in New York State.

What is the most remote area in NY? ›

Denning, New York
Coordinates: 41°57′N 74°29′W
CountryUnited States
StateNew York
23 more rows

What is the best village in New York? ›

The best towns in New York include Woodstock, Lake Placid, New Paltz, Ithaca, and Watkins Glen. You've made it through my list of the 15 best towns in New York! If you're into the live music scene, don't miss my guide to the 13 best music venues in NYC. Enjoy the small towns in New York!

What is the fastest growing town in NY? ›

County Knolls

With a 5.22% year-over-year increase, County Knolls is the fastest-growing city in New York. It currently has a population of approximately 6,285 and its population has increased by 17.5% since the 2020 census.

What is the least populated town in NY? ›

Smyrna, New York in Chenango County 213

Smyrna, New York, a village incorporated in 1829 in Chenango County is home to only 213 people.

What are the disadvantages of living in New York? ›

Cons of living in New York
  • The cost of housing is steep. New York City has one of the highest living costs in the country. ...
  • New York is home to the most densely populated city in the U.S. ...
  • Terrible traffic getting in and out of downtown. ...
  • You'll want to bundle up for the freezing winters. ...
  • New York has high taxes all around.
Dec 2, 2022

What is the cheapest state to retire in 2023? ›

Rather, Alabama is the most affordable state to retire in, according to WalletHub's “2023 Best States to Retire.” The analysis compared all 50 states across three key categories: health care, quality of life and affordability.

Where is the cheapest place to live in NY? ›

Here are some of the cheapest places to live in New York City and the outer boroughs.
  • Washington Heights (Manhattan)
  • East Flatbush (Brooklyn)
  • Inwood (Manhattan)
  • Murray Hill (Manhattan)
  • Sunnyside (Queens)
  • Bedford Park (The Bronx)
  • All Areas of Staten Island.
Apr 20, 2023

What state is best financially to retire to? ›

1 state to retire for high quality of life: Massachusetts. Massachusetts is the best state for retirees based on the quality of life. While the state ranked in the bottom half of the list for affordability, it scored top marks for health care, coming in at second place.

What is the top 10 best states to retire in? ›

Here are the 10 best states to retire in, according to WalletHub:
  • Colorado.
  • Wyoming.
  • Delaware.
  • New Hampshire.
  • South Dakota.
  • Minnesota.
  • Idaho.
  • North Dakota.
Apr 15, 2023

What state is #1 retirement? ›

The best state to retire: Vermont

Vermont quietly has a lot going for it, including very good scores in public health, crime, quality of life, and cost of living. It also has lower-than-average housing costs as well as reasonable taxes for retirees.

What are the best states to retire in no taxes? ›

States with no income tax

Fortunately, there are some states that don't charge taxes on retirement income of any kind: Alaska, Florida, Nevada, South Dakota, Tennessee, Texas, Washington and Wyoming.

What is the best part of New York to live in? ›

1. Upper East Side, Manhattan. Home to the Roosevelts, Kennedys, and Rockefellers, these real-estate pioneers developed the prestigious Upper East Side into a beautiful place to live. The Upper East Side is home to affordable and spacious apartments and has a more relaxed pace than other Manhattan neighborhoods.

What is the best state to live in with Social Security? ›

  • Montana. 2022 Average Rent: $1,033. ...
  • Oklahoma. 2022 Average Rent: $1,052. ...
  • North Dakota. 2022 Average Rent: $871. ...
  • Missouri. 2022 Average Rent: $1,014. ...
  • Iowa. 2022 Average Rent: $937. ...
  • South Dakota. 2022 Average Rent: $950. ...
  • Arkansas. 2022 Average Rent: $991. ...
  • Kentucky. 2022 Average Rent: $956. Overall Cost-of-Living Index: 94.9.
Jun 3, 2023

Is Upstate New York considered rural? ›

Due to its vast areas of rural land, Upstate also supports a strong agricultural industry, and is notable for its dairy, maple syrup, and fruit production (especially apples), as well as winemaking.

Is New York rural or suburban? ›

Population. The State of New York has a primarily urban population.

Is New York rural or urban or suburban? ›

Located in the state of New York, the city has a population of 8,213,839 within an area of 321 square miles (approximately 830 km²), making it the most densely populated major city in North America. With a population of 18.7 million, the New York Metropolitan Area is one of the largest urban areas in the world.

What is the prettiest town in New York? ›

14 Of The Most Beautiful Towns In New York You Should Visit
  • 8 Cold Spring.
  • 7 Sleepy Hollow.
  • 6 Tarrytown.
  • 5 Woodstock.
  • 4 New Paltz.
  • 3 Saugerties.
  • 2 Rhinebeck.
  • 1 Town of Lake George.
May 9, 2023

What is the best part of Upstate New York? ›

Four of the best places to live in the United States are in Upstate New York, a new study by the U.S. News & World Report has found. The four cities — Albany, Syracuse, Rochester and Buffalo — ranked fairly high on the 150-metro list, all falling within the top 30 for 2023-2024.

Is there a small town in New York? ›

Aurora is one of the smallest towns in New York State, regarded as one of the state's true hidden gems. It sits on the shores of Cayuga Lake, providing breathtaking views in every direction, though it's best known as the location of Wells College.

What is the toughest neighborhood in New York? ›

The neighborhoods topping the list as the most dangerous include Hunts Point, Brownsville, Mott Haven, Bedford-Stuyvesant, Midtown, East Harlem, Fordham, Highbridge, Bushwick, and Tremont. It is essential to exercise caution and take safety measures when visiting or residing in these areas of NYC.

Where to live in NYC if you like the outdoors? ›

The 9 Greenest Neighborhoods for Nature Lovers in NYC
  • Hard concrete, towering buildings, more cars, trucks, and buses in a single city block than most small town's Wal-Mart parking lots. ...
  • Morningside Heights, Manhattan. ...
  • Bergen Beach, Brooklyn. ...
  • Battery Park City, Manhattan. ...
  • Riverdale, Bronx. ...
  • Kew Gardens, Queens.
Jun 7, 2021

Where do most people from New York move to? ›

When it comes to New Yorkers moving out, most are relocating to neighboring New Jersey, the study found. The latest data shows that 58,664 people made the move to the Garden State during the year of the study, 2019. 46,618 people moved from New York to Pennsylvania in 2019, giving the state the third-place position.

What are nice villages outside of York? ›

Villages near to York

Villages such as Bilbrough, Long Marston, Sand Hutton, Tockwith and Escrick are all highly desirable places to live and have much to offer residents looking for a home within commuting distance of York.

What are the best New York suburbs? ›

Let's Look at the Top Picks for Some of the Best Suburbs in New York
  • 1- Scarsdale, Westchester County. ...
  • 2- Great Neck, Nassau County. ...
  • 3- Chappaqua, Westchester County. ...
  • 4- Garden City, Nassau County. ...
  • 5- Bronxville, Westchester County. ...
  • 6- Syosset, Nassau County. ...
  • 7- Rye, Westchester County. ...
  • 8- Manhasset, Nassau County.

What is the oldest town in upstate NY? ›

Albany Is The Oldest Town/City In the State of New York

According to Redbook, Albany was established in 1624 making it the Empire State's oldest town or city which eventually became the state's capital in 1797.

What is the most booming city in America? ›

Georgetown, Texas, remained the fastest-growing city by percent change in 2022, with the highest rate of growth among all U.S. cities and towns with at least 50,000 people.

What is the poorest borough of New York City? ›

THE CITY's analysis also found that, in 2020, Queens became the borough with the smallest share of its population in poverty, at 10.3%, compared to 10.6% in Staten Island and then 16.3% in Manhattan, 17.8% in Brooklyn and 24.4% in The Bronx, which remains the poorest county in New York State.

What is the poorest district in NY? ›

Before redistricting, the 2010 Census found that approximately 38% of constituents in New York's 16th lived at or below the federal poverty line, the highest poverty rate of any congressional district in the nation.

What is the most non populated town? ›

Lost Springs, Wyoming
Location of Lost Springs in Converse County, Wyoming.
Coordinates: 42°45′57″N 104°55′37″W
CountryUnited States
20 more rows

Which states do not tax NY pension? ›

Eight states have no income tax whatsoever, which means that retirement benefits — including Social Security retirement benefits — remain untouched by the state taxman. Let's start with the eight states that have no income tax whatsoever: Alaska, Florida, Nevada, South Dakota, Tennessee, Texas, Washington and Wyoming.

Which Northeast state is the best to retire in? ›

9 Best Cities for Retirees in the Northeast (Where Your Money Could Stretch Far)
  1. Manchester, New Hampshire. SeanPavonePhoto/Adobe. ...
  2. Pittsburgh, Pennsylvania. checubus/Adobe. ...
  3. Portland, Maine. Allen.G/Adobe. ...
  4. Providence, Rhode Island. ...
  5. Toms River, New Jersey. ...
  6. Burlington, Vermont. ...
  7. Lake Placid, New York. ...
  8. Pittsfield, Massachusetts.
Apr 3, 2023

What is the average NY pension? ›

The number of people receiving state pensions rose by 5.4% percent over the last four years, according to an analysis by the USA TODAY Network New York. The average annual payout rose by 11% over the same timeframe: from $26,039 to $28,817.

Which state has the best pension benefits? ›

Based on funded ratio, Wisconsin, Washington, and South Dakota have the best funded public pension plans in America. The worst funded plans are in Illinois, Kentucky, and New Jersey.

Will NYS tax my pension if I move out of state? ›

Is My Pension Taxable? Most NYSLRS pensions are subject to federal income tax (some disability benefits are not taxable). NYSLRS pensions are not subject to New York State or local income tax, but if you move to another state, that state may tax your pension.

Can you retire on $3,000 a month? ›

If you have a low living cost and can supplement your income with a part-time job or a generous pension, then retiring on $3,000 a month is certainly possible. However, if you have a high living cost or rely solely on Social Security benefits, retiring on $3,000 a month may be more difficult.

How do I get the $16728 Social Security bonus? ›

To acquire the full amount, you need to maximize your working life and begin collecting your check until age 70. Another way to maximize your check is by asking for a raise every two or three years. Moving companies throughout your career is another way to prove your worth, and generate more money.

Where you should retire in the US states ranked from worst to best? ›

Best & Worst States to Retire
Overall RankStateQuality of Life
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Jan 23, 2023

What is a good monthly pension amount? ›

Average Monthly Retirement Income

According to data from the BLS, average incomes in 2021 after taxes were as follows for older households: 65-74 years: $59,872 per year or $4,989 per month. 75 and older: $43,217 per year or $3,601 per month.

What is a decent pension? ›

For a quick estimate, try the '50-70' rule. This suggests that you should aim for an annual income that is between 50 and 70 per cent of your working income.

Is New York a pension friendly state? ›

Pension and annuity income

Your pension income is not taxable in New York State when it is paid by: New York State or local government. the federal government, including Social Security benefits.

What is the cheapest and safest state to retire in? ›

Rather, Alabama is the most affordable state to retire in, according to WalletHub's “2023 Best States to Retire.” The analysis compared all 50 states across three key categories: health care, quality of life and affordability.

What is the most affordable state for retirees? ›

A new study identifies a rugged group of states — Wyoming, Utah, Montana and Idaho — as the most affordable destinations for American retirees.

Where is the cheapest warm place to retire? ›

8 Surprisingly Affordable Cities With Great Weather for Retirees
  • Tarboro, North Carolina. ...
  • Melbourne, Florida. ...
  • Lakeland, Florida. ...
  • Mountain Home, Arkansas. ...
  • Mount Airy, North Carolina. ...
  • Kingsport, Tennessee. ...
  • Roanoke, Virginia. ...
  • College Station, Texas.
Jan 26, 2023

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