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When most people think of New York, they think New York City. And it’s true, the Big Apple is New York’s—possibly the entire country’s—most famous city. But New York State has a lot of variety. Retirees can choose from charming villages nestled among the Adirondack Mountains, picturesque seaside towns, and cottages in the Finger Lakes—as well as the bustle and excitement of the City.

New York’s climate offers four distinct seasons, with cold winters and hot summers. The severity of both depends on where you are. Winters are coldest in the northern and western parts of the state, with Arctic winds and snows coming down from Canada and the lake effects of the Great Lake areas. Summers are hottest in the south, especially in New York City, where temperatures routinely reach 90 degrees Fahrenheit.

As for affordability, New York City’s housing prices are among the most costly in the nation. In some areas of the state, however, housing is about the same as the national average—in Ithaca and Albany, for example. New York has the second highest state taxes nationwide, but retiree taxes are fairly hospitable—the state doesn’t tax Social Security income or military, civil service, or state pensions. For pension income that is taxed, you can exclude up to $20,000 of your income from taxation if you’re 59 or older. Still, retirees get hit hard with property taxes, which are the second highest nationwide.

There are plenty of options for those seeking a New York retirement. Among them are:

New York City

We couldn’t start a discussion about places to find New York assisted living communities without first addressing its biggest city. With its glittering lights, bustling tempo, and wide range of activities for every interest, New York City is sure to keep you young. Retirement here isn’t for every budget, though—it’s one of the most expensive places in the country to live. Still, many retirees find the cost to be worth it.

Lake Placid

Located close to the Adirondack Mountains, Lake Placid is a resort town—without the crowds. The population is approximately 2,600 people, and it offers both a picturesque downtown with plenty of shops and cafés and a wealth of outdoor activities. The town is close to several lakes and is well-known for its skiing—including its proximity to Whiteface Mountain. In addition to skiing, you can snowshoe, cross-country ski, and even bobsled here—so your winters won’t be boring.  In the warmer months, you can hike the Adirondacks—which offer stunning fall foliage scenery as well as beautiful hiking, fishing, and camping opportunities for those who love the outdoors.


Poughkeepsie is set in the Hudson River Valley, not far from New York City and Albany. In addition to its proximity to these metropolitan centers, Poughkeepsie has plenty to offer on its own—including its own opera house and theater, the Hudson Valley Philharmonic, concerts, and sporting events. The city is home to Vassar College, and also has plenty of art venues and exhibits throughout the year.
Senior living in New York has a lot to offer. If you want the big city, you have it—New York City is one of the best places in the country to live for those who love the urban lifestyle. If you want a small town, the state has that, too—with plenty of opportunities for outdoor enthusiasts to enjoy the state’s many mountains, lakes, and rivers. New York State may not be the warmest state or the most affordable, but for many retirees, the benefits outweigh the drawbacks. Check out our listings of retirement homes in New York today—and find the perfect community for you.