The 25 Most Affordable Small Towns in New York
Ranked by home value ÷ income among 707 towns of 2,500–10,000 people in New York. #1 is Lyons, NY (homes cost 1.3× income).
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25Newark Valley, New York
Homes cost 1.7× income
3,642 people · Tioga County · median home $138,600 · income $80,938 · Jan low 16°F · 64 in snow
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24Dannemora, New York
Homes cost 1.7× income
4,037 people · Clinton County · median home $134,600 · income $77,829 · Jan low 9°F · 106 in snow
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23Wellsville, New York
Homes cost 1.7× income
4,587 people · Allegany County · median home $91,200 · income $55,096 · Jan low 13°F · 54 in snow
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22Scriba, New York
Homes cost 1.7× income
6,617 people · Oswego County · median home $158,700 · income $92,036 · Jan low 19°F · 140 in snow
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21Southport, New York
Homes cost 1.7× income
6,782 people · Chemung County · median home $107,900 · income $62,684 · Jan low 16°F · 42 in snow
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20Ilion, New York
Homes cost 1.7× income
7,646 people · Herkimer County · median home $108,700 · income $62,843 · Jan low 10°F · 86 in snow
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19Yates, New York
Homes cost 1.6× income
2,567 people · Orleans County · median home $141,000 · income $87,337 · Jan low 18°F · 68 in snow
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18St. Johnsville, New York
Homes cost 1.6× income
2,598 people · Montgomery County · median home $88,000 · income $54,837 · Jan low 7°F · 86 in snow
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17Annsville, New York
Homes cost 1.6× income
2,639 people · Oneida County · median home $106,300 · income $66,812 · Jan low 11°F · 165 in snow
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16Guilford, New York
Homes cost 1.6× income
2,741 people · Chenango County · median home $121,400 · income $73,681 · Jan low 12°F · 79 in snow
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15Wayland, New York
Homes cost 1.6× income
3,732 people · Steuben County · median home $105,400 · income $65,385 · Jan low 18°F · 36 in snow
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14Wolcott, New York
Homes cost 1.6× income
4,002 people · Wayne County · median home $87,500 · income $54,569 · Jan low 16°F · 124 in snow
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13Oswegatchie, New York
Homes cost 1.6× income
4,158 people · St. Lawrence County · median home $140,300 · income $85,263 · Jan low 8°F · 85 in snow
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12Norfolk, New York
Homes cost 1.6× income
4,453 people · St. Lawrence County · median home $105,800 · income $67,500 · Jan low 6°F · 76 in snow
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11Granby, New York
Homes cost 1.6× income
6,520 people · Oswego County · median home $130,000 · income $79,338 · Jan low 14°F · 159 in snow
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10Franklinville, New York
Homes cost 1.5× income
2,802 people · Cattaraugus County · median home $99,300 · income $64,231 · Jan low 14°F · 109 in snow
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9Cuba, New York
Homes cost 1.5× income
3,126 people · Allegany County · median home $113,000 · income $75,903 · Jan low 13°F · 103 in snow
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8Galen, New York
Homes cost 1.5× income
4,415 people · Wayne County · median home $95,400 · income $64,177 · Jan low 16°F · 90 in snow
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7Vienna, New York
Homes cost 1.5× income
5,260 people · Oneida County · median home $125,000 · income $83,244 · Jan low 11°F · 151 in snow
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6Wellsville, New York
Homes cost 1.5× income
7,064 people · Allegany County · median home $94,600 · income $63,227 · Jan low 13°F · 54 in snow
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5Pierrepont, New York
Homes cost 1.4× income
2,523 people · St. Lawrence County · median home $131,300 · income $92,500 · Jan low 6°F · 77 in snow
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4Moira, New York
Homes cost 1.4× income
2,916 people · Franklin County · median home $92,600 · income $64,116 · Jan low 8°F · 75 in snow
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3Au Sable, New York
Homes cost 1.4× income
3,183 people · Clinton County · median home $133,000 · income $95,069 · Jan low 10°F · 68 in snow
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2Lyons, New York
Homes cost 1.3× income
3,989 people · Wayne County · median home $90,500 · income $67,850 · Jan low 16°F · 85 in snow
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1Lyons, New York
Homes cost 1.3× income
5,679 people · Wayne County · median home $98,400 · income $74,524 · Jan low 16°F · 89 in snow
More New York rankings
- The 25 Best Small Towns to Retire in New York
- The 25 Quietest Small Towns in New York
- The 25 Best Small Towns for Families in New York
- The 25 Best Quiet, Affordable Small Towns to Retire in New York
- 25 Small Towns in New York With the Cheapest Homes
- 25 Small Towns in New York With the Mildest Winters
- The 25 Most Walkable Small Towns in New York
- 25 Small Towns in New York With the Fewest Tornadoes Since 1950
- The 25 Best Small Towns for First-Time Home Buyers in New York
- The 24 Best Affordable Small Towns to Retire in New York With Mild Winters
Same ranking, other places
- The 50 Most Affordable Small Towns in America
- The 25 Most Affordable Small Towns in Pennsylvania
- The 25 Most Affordable Small Towns in Michigan
- The 25 Most Affordable Small Towns in Texas
- The 25 Most Affordable Small Towns in California
- The 25 Most Affordable Small Towns in New Jersey
- The 25 Most Affordable Small Towns in Florida
- The 25 Most Affordable Small Towns in Wisconsin
- The 25 Most Affordable Small Towns in Ohio
- The 25 Most Affordable Small Towns in Illinois
- U.S. Census Bureau, American Community Survey 5-year estimates (2020–2024)
- U.S. Census Bureau, 2020 Census and 2025 Gazetteer (2020 / 2025)
- NOAA NCEI U.S. Climate Normals (1991–2020)
- NOAA NCEI Storm Events Database (1950–2026)
- FEMA OpenFEMA Disaster Declarations (this product uses the FEMA OpenFEMA API but is not endorsed by FEMA) (1953–2026)
- NCES Common Core of Data (2023–24)
- BLS Quarterly Census of Employment and Wages; USDA ERS county unemployment (BLS LAUS) (2000–2024)
- The Town Files lifestyle rankings, built from federal demographic, school, crime and housing data (2025)