The Town Files

The 25 Best Quiet, Affordable Small Towns to Retire in New York

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 Pierrepont, NY.

Map of the 25 towns12345678910111213141516171819202122232425
Numbers match the ranking.
The 25 Best Quiet, Affordable Small Towns to Retire in New York1. Pierrepontscore 882. Rushscore 873. Schuylerscore 844. Palatinescore 845. Newark Valleyscore 826. Hancockscore 827. Binghamtonscore 818. Hornellsvillescore 819. Stephentownscore 8010. Tiogascore 8011. Hartlandscore 8012. Westfieldscore 8013. Westfieldscore 8014. Pompeyscore 7915. Salemscore 7816. Catlinscore 7817. Oneontascore 7818. Hectorscore 7719. Davenportscore 7720. Richmondscore 7721. Sennettscore 7722. Newfieldscore 7723. Sodusscore 7624. Wheatlandscore 7625. Otegoscore 76
  1. 25Otego, New York

    Retirement: 87th percentile · Quiet: 77th percentile · Home value ÷ income: 63rd percentile

    2,756 people · Otsego County · median home $195,500 · income $77,553 · Jan low 11°F · 83 in snow

  2. 24Wheatland, New York

    Retirement: 95th percentile · Quiet: 56th 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

  3. 23Sodus, New York

    Retirement: 61st percentile · Quiet: 91st percentile · Home value ÷ income: 76th percentile

    8,028 people · Wayne County · median home $152,500 · income $70,478 · Jan low 16°F · 105 in snow

  4. 22Newfield, New York

    Retirement: 85th percentile · Quiet: 74th percentile · Home value ÷ income: 72nd percentile

    5,126 people · Tompkins County · median home $171,300 · income $74,333 · Jan low 14°F · 60 in snow

  5. 21Sennett, New York

    Retirement: 88th percentile · Quiet: 89th percentile · Home value ÷ income: 55th percentile

    3,304 people · Cayuga County · median home $279,300 · income $101,585 · Jan low 15°F · 109 in snow

  6. 20Richmond, New York

    Retirement: 81st percentile · Quiet: 96th percentile · Home value ÷ income: 55th percentile

    3,360 people · Ontario County · median home $215,400 · income $79,150 · Jan low 16°F · 55 in snow

  7. 19Davenport, New York

    Retirement: 62nd percentile · Quiet: 90th percentile · Home value ÷ income: 80th percentile

    2,955 people · Delaware County · median home $165,700 · income $79,539 · Jan low 11°F · 83 in snow

  8. 18Hector, New York

    Retirement: 85th percentile · Quiet: 92nd percentile · Home value ÷ income: 55th percentile

    4,895 people · Schuyler County · median home $218,700 · income $79,904 · Jan low 14°F · 61 in snow

  9. 17Oneonta, New York

    Retirement: 83rd percentile · Quiet: 85th percentile · Home value ÷ income: 67th percentile

    5,065 people · Otsego County · median home $187,100 · income $79,074 · Jan low 11°F · 83 in snow

  10. 16Catlin, New York

    Retirement: 77th percentile · Quiet: 82nd 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

  11. 15Salem, New York

    Retirement: 89th percentile · Quiet: 79th percentile · Home value ÷ income: 67th percentile

    2,612 people · Washington County · median home $196,000 · income $83,398 · Jan low 11°F · 75 in snow

  12. 14Pompey, New York

    Retirement: 81st percentile · Quiet: 94th percentile · Home value ÷ income: 63rd percentile

    7,080 people · Onondaga County · median home $275,400 · income $111,000 · Jan low 11°F · 115 in snow

  13. 13Westfield, New York

    Retirement: 91st percentile · Quiet: 72nd 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

  14. 12Westfield, New York

    Retirement: 91st percentile · Quiet: 72nd 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

  15. 11Hartland, New York

    Retirement: 63rd percentile · Quiet: 92nd 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

  16. 10Tioga, New York

    Retirement: 66th percentile · Quiet: 83rd 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

  17. 9Stephentown, New York

    Retirement: 78th percentile · Quiet: 96th percentile · Home value ÷ income: 67th percentile

    2,791 people · Rensselaer County · median home $208,800 · income $88,617 · Jan low 14°F · 54 in snow

  18. 8Hornellsville, New York

    Retirement: 72nd percentile · Quiet: 79th percentile · Home value ÷ income: 91st percentile

    4,034 people · Steuben County · median home $134,800 · income $73,014 · Jan low 12°F · 62 in snow

  19. 7Binghamton, New York

    Retirement: 81st percentile · Quiet: 83rd percentile · Home value ÷ income: 80th percentile

    4,617 people · Broome County · median home $222,300 · income $105,345 · Jan low 16°F · 77 in snow

  20. 6Hancock, New York

    Retirement: 89th percentile · Quiet: 97th percentile · Home value ÷ income: 59th percentile

    2,764 people · Delaware County · median home $161,100 · income $62,243 · Jan low 16°F · 55 in snow

  21. 5Newark Valley, New York

    Retirement: 76th percentile · Quiet: 77th percentile · Home value ÷ income: 94th percentile

    3,642 people · Tioga County · median home $138,600 · income $80,938 · Jan low 16°F · 64 in snow

  22. 4Palatine, New York

    Retirement: 76th percentile · Quiet: 92nd percentile · Home value ÷ income: 84th percentile

    3,189 people · Montgomery County · median home $142,500 · income $69,722 · Jan low 7°F · 54 in snow

  23. 3Schuyler, New York

    Retirement: 76th percentile · Quiet: 86th percentile · Home value ÷ income: 91st percentile

    3,296 people · Herkimer County · median home $116,000 · income $65,469 · Jan low 10°F

  24. 2Rush, New York

    Retirement: 94th percentile · Quiet: 92nd 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

  25. 1Pierrepont, New York

    Retirement: 81st percentile · Quiet: 84th percentile · Home value ÷ income: 99th percentile

    2,523 people · St. Lawrence County · median home $131,300 · income $92,500 · Jan low 6°F · 77 in snow

Price vs ranking

Median home value vs ranking, New York towns0255075100$81K$426K$771K$1116K$1462KMedian home valuePercentile
Orange squares are the 25 towns on this list; green dots are other towns on The Town Files in New York.

More New York rankings

Same ranking, other places

Methodology. We ranked 707 towns of 2,500–10,000 people in New York (2020 Census population; towns with 2,500+ people have pages so far). Lifestyle measures are The Town Files lifestyle rankings, built from federal demographic, school, crime and housing data (2025), shown as percentiles. The combined score is the average of the percentiles shown for each town; a town must be above the middle on every one. Only towns better than 60% of their peers on this measure qualify, so lists can be shorter than 25. Sources: