What Are the Best Small Towns to Retire to in New York?


Traversing the best small towns to retire to in New York reveals a wealth of charming communities that offer tranquility, affordability, and a high quality of life. These picturesque locales provide retirees with a perfect blend of scenic beauty, lively cultural scenes, and friendly neighborhoods. 

Stony Point

Stony Point

Situated along the Hudson River, this quaint New York town offers a tranquil setting perfect for a leisurely retirement. One of its standout features is Haverstraw Bay County Park, a 27-acre haven ideal for outdoor activities, strolls, picnics, and stunning views. For retirees seeking a serene and welcoming community, Stony Point offers numerous advantages. Here are five highlights that make Stony Point an excellent choice for retirement.

  1. Scenic Parks and Natural Beauty: Stony Point boasts stunning natural landscapes, particularly at Haverstraw Bay County Park. This 27-acre park offers ample opportunities for leisurely walks, picnics, and enjoying beautiful river views. Making it a perfect spot for outdoor recreation and relaxation.
  2. Excellent Healthcare Facilities: The town is home to Helen Hayes Hospital, a renowned healthcare facility that provides top-quality medical care. This ensures that retirees have access to excellent healthcare services close to home, offering peace of mind and convenience.
  3. Affordable Housing Options: Stony Point offers attractive and affordable housing options for retirees. With a median rent of $1,600 from 2018-2022, it is a budget-friendly choice for those looking to rent. The median value of owner-occupied housing units is $469,000, reflecting the town’s appealing living conditions.
  4. Community and Safety: Stony Point is known for its friendly, tight-knit community, which can be especially welcoming to retirees seeking a supportive environment. The town’s low crime rate and peaceful atmosphere make it an ideal place for a safe and secure retirement.

Cold Spring

Cold Spring, a charming village in Putnam County, provides retirees with a safe and community enhanced with amenities and natural beauty. With a low crime rate of just two incidents per 1,000 residents, it offers peace of mind. This quaint village, home to around 2,000 residents, is celebrated for its lively restaurant scene, antique shops, and boutiques, making it ideal for those seeking both relaxation and activity.

Outdoor enthusiasts will appreciate the renowned Breakneck Ridge Trail, which offers panoramic views and numerous recreational opportunities. The median rent is $2,925, but the combination of amenities and the picturesque setting makes it a worthwhile investment. Cold Spring’s historical sites and a strong sense of community further enhance its appeal.

Key aspects that make Cold Spring ideal for retirement include:

  • Low crime rate: Ensures a safe and secure living environment.
  • Vibrant restaurant scene: Offers diverse dining options to satisfy all tastes.
  • Breakneck Ridge Trail: Ideal for active retirees who enjoy hiking and stunning views.
  • Historical sites: Affluent in history and culture, providing endless exploration opportunities.
  • Strong community: Fosters connections and friendships in a welcoming atmosphere.



Skaneateles provides retirees a safe and scenic community to enjoy their golden years. This charming town in New York offers affordable living, with a median rent of $1,100 per month. The low crime rate, with only 4 incidents per 1,000 residents, ensures a sense of security for its inhabitants. 

One of the town’s most notable features is Skaneateles Lake, a pristine body of water that supplies drinking water and supports the local economy through recreational activities. Residents can spend their afternoons fishing, boating, or simply enjoying the tranquil lake views. For those who love the outdoors, the Guppy Falls Trail is a must-visit, offering stunning views of 20-foot-high waterfalls and providing a perfect spot for leisurely walks and nature immersion. 

Skaneateles boasts numerous parks and golf courses, catering to a variety of interests and activities. With its affordable housing options and close proximity to these natural and recreational amenities, Skaneateles stands out as an ideal choice for retirees seeking a peaceful and fulfilling lifestyle in a small-town setting.



Cooperstown, a charming town in central New York, offers retirees a unique blend of history, culture, and scenic beauty. Located in Otsego County, this picturesque town is known for its affordable living and low crime rate. With a population of around 1,800 residents, Cooperstown provides a peaceful and intimate community atmosphere.

A major draw of Cooperstown is the prestigious Baseball Hall of Fame, making it a cultural hotspot for sports enthusiasts and history buffs alike. Beyond its historical significance, the town offers stunning water views and a buyer’s market, making it an appealing choice for those looking to settle down in a beautiful setting.

Key highlights of Cooperstown include:

  • Affordable living: With a median rent that’s budget-friendly, it’s an economical option for retirees.
  • Low crime rate: Only 9 incidents per 1,000 residents create a safe and secure environment.
  • Cultural richness: Home to the Baseball Hall of Fame and various historical sites.
  • Scenic beauty: Enjoy breathtaking water views and charming landscapes.
  • Medical facilities: Easy access to healthcare services enhances the town’s appeal.

If you’re seeking a retirement spot that combines affordability, safety, and cultural experiences, Cooperstown should be on your list.



If Cooperstown’s intimate charm appeals to you, then Oswego’s lakeside allure might be equally enchanting. Here are key highlights of this ideal retirement destination:

Lakeside Setting

Situated on the shores of Lake Ontario and just northwest of Syracuse, Oswego offers stunning lakeside views and a peaceful environment. The town’s location provides easy access to water activities and scenic beauty. Whether you enjoy boating, fishing, or simply relaxing by the water, Oswego’s lakeside setting is perfect for retirees seeking tranquility.

Close-Knit Community

With a population of around 17,000, Oswego combines a close-knit community feel with the expansive beauty of its lakeside setting. The town’s small size fosters a strong sense of community, making it easy to make friends and get involved in local activities. This welcoming atmosphere is ideal for those looking to enjoy a supportive and friendly environment in retirement.

Affordable Living

Oswego is quite affordable, with a median listing price for homes at $148,500, making it an attractive option for retirees looking to stretch their savings. The town’s lower cost of living allows retirees to maintain a comfortable lifestyle without financial stress. This affordability is a significant draw for those planning a budget-conscious retirement.

Safety and Security

Safety is another key factor; the town has a crime rate of 54 per 1,000 residents, offering a secure environment for enjoying retirement. Oswego’s low crime rate ensures peace of mind for retirees, allowing them to enjoy their daily activities without worry. The town’s commitment to safety enhances its appeal as a retirement destination.

Outdoor Recreation

The town’s green spaces, such as Breitbeck Park and Lakeside Park, provide ample opportunities for outdoor recreation. Whether you enjoy walking, picnicking, or simply soaking in the natural beauty, these parks are perfect for leisurely activities. The abundance of outdoor spaces encourages an active and healthy lifestyle, making Oswego an excellent choice for nature lovers.


Choosing the ideal small town in New York for retirement means finding a place that matches your lifestyle and preferences, whether it’s the cultural offerings of Saratoga Springs or the serene landscapes of the Finger Lakes. Each town on this list offers many unique benefits making them ideal for retirees seeking a balanced and enjoyable life. 

Share this

Recent articles

More like this