The 24 Best Affordable Small Towns to Retire in New York With Mild Winters

Ranked on The Town Files lifestyle rankings among 707 towns of 2,500–10,000 people in New York, scoring every town on all of these at once. #1 is Westfield, NY.

1. 24Catlin, New York

   Retirement: 77th percentile · January average low (°F): 58th percentile · Home value ÷ income: 76th percentile

   2,541 people · Chemung County · median home $176,400 · income $80,956 · Jan low 16°F · 47 in snow

2. 23Riga, New York

   Retirement: 63rd percentile · January average low (°F): 77th percentile · Home value ÷ income: 72nd percentile

   5,586 people · Monroe County · median home $227,600 · income $100,750 · Jan low 19°F · 79 in snow

3. 22Hartsdale, New York

   Retirement: 72nd percentile · January average low (°F): 85th percentile · Home value ÷ income: 55th percentile

   3,377 people · Westchester County · median home $355,300 · income $132,778 · Jan low 23°F · 33 in snow

4. 21Tioga, New York

   Retirement: 66th percentile · January average low (°F): 56th percentile · Home value ÷ income: 91st percentile

   4,440 people · Tioga County · median home $125,300 · income $68,523 · Jan low 16°F · 49 in snow

5. 20Avon, New York

   Retirement: 88th percentile · January average low (°F): 58th percentile · Home value ÷ income: 67th percentile

   6,939 people · Livingston County · median home $183,900 · income $76,098 · Jan low 16°F · 52 in snow

6. 19Caledonia, New York

   Retirement: 89th percentile · January average low (°F): 58th percentile · Home value ÷ income: 67th percentile

   4,154 people · Livingston County · median home $189,000 · income $78,649 · Jan low 16°F · 52 in snow

7. 18Big Flats, New York

   Retirement: 94th percentile · January average low (°F): 58th percentile · Home value ÷ income: 63rd percentile

   5,555 people · Chemung County · median home $224,400 · income $89,286 · Jan low 16°F · 42 in snow

8. 17Sterling, New York

   Retirement: 73rd percentile · January average low (°F): 75th percentile · Home value ÷ income: 67th percentile

   3,221 people · Cayuga County · median home $141,200 · income $59,750 · Jan low 19°F · 134 in snow

9. 16Medina, New York

   Retirement: 56th percentile · January average low (°F): 68th percentile · Home value ÷ income: 91st percentile

   6,047 people · Orleans County · median home $107,200 · income $59,231 · Jan low 18°F · 67 in snow

10. 15Big Flats, New York

    Retirement: 95th percentile · January average low (°F): 58th percentile · Home value ÷ income: 63rd percentile

    7,791 people · Chemung County · median home $218,500 · income $87,044 · Jan low 16°F · 42 in snow

11. 14Portland, New York

    Retirement: 57th percentile · January average low (°F): 80th percentile · Home value ÷ income: 80th percentile

    4,309 people · Chautauqua County · median home $139,500 · income $66,333 · Jan low 20°F · 120 in snow

12. 13West Elmira, New York

    Retirement: 74th percentile · January average low (°F): 52nd percentile · Home value ÷ income: 91st percentile

    4,850 people · Chemung County · median home $198,300 · income $111,417 · Jan low 16°F · 42 in snow

13. 12Fairport, New York

    Retirement: 92nd percentile · January average low (°F): 67th percentile · Home value ÷ income: 59th percentile

    5,501 people · Monroe County · median home $278,100 · income $107,009 · Jan low 17°F · 89 in snow

14. 11East Bloomfield, New York

    Retirement: 91st percentile · January average low (°F): 69th percentile · Home value ÷ income: 59th percentile

    3,640 people · Ontario County · median home $232,300 · income $90,451 · Jan low 18°F · 55 in snow

15. 10Spencerport, New York

    Retirement: 77th percentile · January average low (°F): 71st percentile · Home value ÷ income: 72nd percentile

    3,685 people · Monroe County · median home $188,400 · income $81,029 · Jan low 18°F · 102 in snow

16. 9Hartland, New York

    Retirement: 63rd percentile · January average low (°F): 73rd percentile · Home value ÷ income: 84th percentile

    3,874 people · Niagara County · median home $183,000 · income $91,901 · Jan low 18°F · 73 in snow

17. 8Clarkson, New York

    Retirement: 90th percentile · January average low (°F): 71st percentile · Home value ÷ income: 63rd percentile

    4,694 people · Monroe County · median home $193,500 · income $76,368 · Jan low 18°F · 78 in snow

18. 7Clarkson, New York

    Retirement: 91st percentile · January average low (°F): 71st percentile · Home value ÷ income: 63rd percentile

    6,904 people · Monroe County · median home $207,000 · income $83,286 · Jan low 18°F · 77 in snow

19. 6Fayetteville, New York

    Retirement: 83rd percentile · January average low (°F): 59th percentile · Home value ÷ income: 84th percentile

    4,225 people · Onondaga County · median home $258,700 · income $127,559 · Jan low 17°F · 128 in snow

20. 5Rush, New York

    Retirement: 94th percentile · January average low (°F): 58th percentile · Home value ÷ income: 76th percentile

    3,490 people · Monroe County · median home $264,600 · income $122,519 · Jan low 16°F · 52 in snow

21. 4Wheatland, New York

    Retirement: 95th percentile · January average low (°F): 58th percentile · Home value ÷ income: 76th percentile

    4,897 people · Monroe County · median home $183,100 · income $82,538 · Jan low 16°F · 52 in snow

22. 3Silver Creek, New York

    Retirement: 68th percentile · January average low (°F): 79th percentile · Home value ÷ income: 84th percentile

    2,617 people · Chautauqua County · median home $125,400 · income $63,854 · Jan low 19°F · 142 in snow

23. 2Westfield, New York

    Retirement: 91st percentile · January average low (°F): 80th percentile · Home value ÷ income: 76th percentile

    4,553 people · Chautauqua County · median home $114,400 · income $50,921 · Jan low 21°F · 225 in snow

24. 1Westfield, New York

    Retirement: 91st percentile · January average low (°F): 80th percentile · Home value ÷ income: 76th percentile

    2,910 people · Chautauqua County · median home $102,600 · income $46,774 · Jan low 21°F · 175 in snow

Price vs ranking

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• The 25 Best Small Towns for First-Time Home Buyers in New York

Same ranking, other places

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