These Are The 10 Most Affordable Places In New York


We used data and science to determine which places in New York go easy on your wallet.

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A wise sage once said “she works hard for the money” and these places in New York definitely treat her right.

You see, these are the places in New York where the cost of living is the lowest; where your salary goes the furthest. And when if you have the luxury of choosing where to live in the Empire State, then the cost of living should play a role in the decision.

So we did the hard for you and crunched the numbers to find the cities that have lower food, energy, and housing costs. After the dust settled on our analysis of the 170 largest places in New York, we were left with this set of the best value for your money:

  1. Dunkirk
  2. Jamestown
  3. Salamanca
  4. Olean
  5. Niagara Falls
  6. Buffalo
  7. Elmira
  8. Lockport
  9. Lackawanna
  10. Bath

So listen up Kings Point as we explain how we created this ranking, you could learn some things from the rest of the state.

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How We Determined The Most Affordable Places To Live In The Empire State

There are basic necessities that you have to buy no matter where in the country you live. Those things include:

  • Housing
  • Food
  • Gas
  • Health Insurance
  • Utilities
  • Transportation

You can then compare the cost of these things in each of the places in New York to figure out which is the least expensive.

What you are left with is a “Cost of Living Index” that normalizes to 100 for an average place in the United States.

So we used that cost of living index in order to rank all of the 170 places in New York that have more than 5,000 people.

And just so you can better understand how the cost of living index works, 100 is the average cost of a place in the United States. A score of 90 means that the place cost 10% less than average. A score of 90 means it’s 10% less expensive.

San Francisco has a score of 243 meaning it’s almost 2.5 times as expensive as the average place in the country.

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1. Dunkirk

Dunkirk, New York

Source: Wikipedia

Population: 12,518
Services: 85
Groceries: 88
Healthcare: 89
Housing: 44
Transportation: 117
Utiltiies: 101

2. Jamestown

Jamestown, New York

Source: Wikipedia

Population: 31,014
Services: 85
Groceries: 88
Healthcare: 89
Housing: 44
Transportation: 117
Utiltiies: 101

3. Salamanca

Salamanca, New York

Source: Wikipedia

Population: 5,789
Services: 85
Groceries: 88
Healthcare: 89
Housing: 45
Transportation: 117
Utiltiies: 101

4. Olean

Olean, New York

Source: Wikipedia

Population: 14,408
Services: 85
Groceries: 88
Healthcare: 89
Housing: 48
Transportation: 117
Utiltiies: 101

5. Niagara Falls

Niagara Falls, New York

Source: Wikipedia

Population: 50,214
Services: 85
Groceries: 88
Healthcare: 89
Housing: 48
Transportation: 117
Utiltiies: 101

6. Buffalo

Buffalo, New York

Source: Wikipedia

Population: 261,955
Services: 85
Groceries: 88
Healthcare: 89
Housing: 48
Transportation: 117
Utiltiies: 101

7. Elmira

Elmira, New York

Source: Wikipedia

Population: 29,173
Services: 100
Groceries: 104
Healthcare: 112
Housing: 46
Transportation: 123
Utiltiies: 91

8. Lockport

Lockport, New York

Source: Wikipedia

Population: 21,112
Services: 85
Groceries: 88
Healthcare: 89
Housing: 52
Transportation: 117
Utiltiies: 101

9. Lackawanna

Lackawanna, New York

Source: Wikipedia

Population: 18,116
Services: 85
Groceries: 88
Healthcare: 89
Housing: 52
Transportation: 117
Utiltiies: 101

10. Bath

Bath, New York

Source: Wikipedia

Population: 5,764
Services: 100
Groceries: 104
Healthcare: 112
Housing: 50
Transportation: 123
Utiltiies: 91

Detailed List Of Affordable Places In New York

City Rank Population Services Grociers Healthcare
Dunkirk 1 12,518 85 88 89
Jamestown 2 31,014 85 88 89
Salamanca 3 5,789 85 88 89
Olean 4 14,408 85 88 89
Niagara Falls 5 50,214 85 88 89
Buffalo 6 261,955 85 88 89
Elmira 7 29,173 100 104 112
Lockport 8 21,112 85 88 89
Lackawanna 9 18,116 85 88 89
Bath 10 5,764 100 104 112
Waterloo 11 5,137 100 104 112
Hornell 12 8,576 116 110 107
Fulton 13 11,852 100 104 112
Rochester 14 210,967 103 98 99
Norwich 15 7,193 100 104 112
Herkimer 16 7,691 118 99 101
Medina 17 6,069 116 110 107
Ilion 18 8,070 118 99 101
Gloversville 19 15,580 118 99 101
Binghamton 20 47,107 100 104 112
Johnson City 21 15,132 100 104 112
Newark 22 9,118 103 98 99
Endicott 23 13,312 100 104 112
Geneva 24 13,264 103 98 99
Oswego 25 18,140 103 98 99
Rome 26 33,548 100 104 112
Utica 27 61,962 100 104 112
North Tonawanda 28 31,498 85 88 89
Albion 29 5,621 116 110 107
Cortland 30 19,271 100 104 112
Syracuse 31 144,703 100 104 112
Ogdensburg 32 11,177 106 109 107
Corning 33 11,146 100 104 112
Auburn 34 27,649 100 104 112
Penn Yan 35 5,295 100 104 112
Kenmore 36 15,407 85 88 89
East Rochester 37 6,594 103 98 99
Depew 38 15,324 85 88 89
Lancaster 39 10,355 85 88 89
Massena 40 10,987 106 109 107
North Syracuse 41 6,658 100 104 112
Horseheads 42 6,490 100 104 112
Solvay 43 6,570 100 104 112
Oneida 44 11,335 100 104 112
Batavia 45 15,472 116 110 107
Amsterdam 46 18,485 118 99 101
Tonawanda 47 58,275 85 88 89
Tonawanda 48 58,275 85 88 89
Fredonia 49 11,146 85 88 89
Johnstown 50 8,668 118 99 101
Malone 51 5,919 106 109 107
Chittenango 52 5,067 100 104 112
Watertown 53 27,161 103 98 99
Baldwinsville 54 7,371 100 104 112
Webster 55 5,438 103 98 99
Hilton 56 5,901 103 98 99
Schenectady 57 65,921 118 99 101
Brockport 58 8,333 116 110 107
Hamburg 59 9,461 85 88 89
Hudson Falls 60 7,252 118 99 101
Canandaigua 61 10,567 103 98 99
Monticello 62 6,699 115 106 107
Oneonta 63 13,890 118 99 101
Cohoes 64 16,153 118 99 101
Scotia 65 7,720 118 99 101
Troy 66 50,056 118 99 101
Williamsville 67 5,298 85 88 89
Glens Falls 68 14,696 118 99 101
East Aurora 69 6,247 85 88 89
Mechanicville 70 5,212 118 99 101
Rensselaer 71 9,378 118 99 101
Geneseo 72 7,998 116 110 107
Plattsburgh 73 19,911 106 109 107
Saranac Lake 74 5,856 106 109 107
Fairport 75 5,365 103 98 99
Canton 76 6,457 106 109 107
Cobleskill 77 5,065 118 99 101
Ithaca 78 30,016 100 104 112
Hudson 79 6,731 118 99 101
Albany 80 97,892 118 99 101
Ballston Spa 81 5,426 118 99 101
Kingston 82 23,864 118 99 101
Port Jervis 83 8,816 115 106 107
Colonie 84 7,831 118 99 101
Middletown 85 27,956 115 106 107
Newburgh 86 28,871 126 122 115
Wappingers Falls 87 5,352 126 122 115
Saratoga Springs 88 26,711 118 99 101
Poughkeepsie 89 31,593 126 122 115
Walden 90 6,938 126 122 115
Warwick 91 6,768 115 106 107
Beacon 92 15,488 126 122 115
Washingtonville 93 5,901 126 122 115
Mastic Beach 94 15,002 126 122 115
Spring Valley 95 31,348 126 122 115
New Paltz 96 6,900 126 122 115
Goshen 97 5,462 115 106 107
Suffern 98 10,764 115 106 107
Patchogue 99 11,831 126 122 115
Haverstraw 100 11,843 126 122 115
Peekskill 101 23,568 126 122 115
West Haverstraw 102 10,189 126 122 115
Monroe 103 8,407 126 122 115
Kiryas Joel 104 20,176 126 122 115
Woodbury 105 10,655 126 122 115
Woodbury 106 10,655 126 122 115
Hempstead 107 53,927 151 121 117
Lindenhurst 108 27,297 126 122 115
Farmingdale 109 8,191 126 122 115
Freeport 110 42,906 151 121 117
Airmont 111 8,607 115 106 107
Amityville 112 9,522 126 122 115
Mount Kisco 113 10,855 126 122 115
Ossining 114 25,085 126 122 115
Lake Grove 115 11,125 126 122 115
Mount Vernon 116 67,414 151 121 117
Great Neck Plaza 117 6,719 151 121 117
Valley Stream 118 37,394 151 121 117
Yonkers 119 196,459 151 121 117
Port Chester 120 28,949 126 122 115
Massapequa Park 121 17,014 126 122 115
Westbury 122 15,103 126 122 115
Nyack 123 7,079 126 122 115
Babylon 124 12,185 126 122 115
Mineola 125 18,765 151 121 117
Lynbrook 126 19,426 151 121 117
Malverne 127 8,522 151 121 117
Croton-On-Hudson 128 8,031 126 122 115
White Plains 129 56,768 126 122 115
New Hempstead 130 5,140 126 122 115
East Rockaway 131 9,829 151 121 117
New Hyde Park 132 9,698 151 121 117
Glen Cove 133 26,918 126 122 115
Chestnut Ridge 134 7,939 127 132 115
Port Jefferson 135 7,777 126 122 115
Tuckahoe 136 6,485 126 122 115
Tuckahoe 137 6,485 126 122 115
New Square 138 6,924 126 122 115
New Rochelle 139 77,074 126 122 115
Mamaroneck 140 18,932 126 122 115
Long Beach 141 33,356 151 121 117
Irvington 142 6,445 126 122 115
Northport 143 7,418 126 122 115
Williston Park 144 7,264 151 121 117
Floral Park 145 16,263 151 121 117
Sleepy Hollow 146 9,840 126 122 115
Dobbs Ferry 147 10,889 126 122 115
Pleasantville 148 7,027 126 122 115
Bayville 149 6,690 126 122 115
Cedarhurst 150 6,561 151 121 117
Sea Cliff 151 5,007 126 122 115
Manorhaven 152 6,533 126 122 115
Hastings-On-Hudson 153 7,855 126 122 115
Wesley Hills 154 5,627 126 122 115
Rockville Centre 155 24,009 151 121 117
Briarcliff Manor 156 8,295 126 122 115
Rye Brook 157 9,325 126 122 115
Harrison 158 27,377 126 122 115
Pelham 159 6,894 151 121 117
Bronxville 160 6,345 126 122 115
Larchmont 161 5,881 126 122 115
East Hills 162 6,948 126 122 115
Great Neck 163 9,972 151 121 117
Rye 164 15,713 126 122 115
Scarsdale 165 17,233 126 122 115
Pelham Manor 166 5,485 151 121 117
North Hills 167 5,052 151 121 117
Lawrence 168 6,476 151 121 117
Garden City 169 22,349 151 121 117
Kings Point 170 5,011 151 121 117

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