Article Overview: Living in New York State, Moving to New York State
Hey there! I’m Alex and I’ve called various parts of New York State outside the city home for the past decade. From hiking the breathtaking trails of the Adirondacks to soaking up the charm of small towns along the Hudson River, I’ve experienced the diverse beauty and unique challenges of this region.
Thinking about making a move to New York State, but seeking a different pace than the Big Apple? Whether you’re drawn to the charming small-town communities, the stunning natural landscapes, or the (slightly) more affordable cost of living, New York state has something for everyone. But before you pack your bags and local craft beer (a must-try!), it’s important to get the full picture.
In this article, I’ll be your guide, diving deep into the pros and cons of living in New York State specifically outside of New York City. We’ll explore everything from the unique qualities of different regions, diverse career opportunities, and access to outdoor activities to the realities of property taxes, potential weather challenges, and the sometimes-limited public transportation options in certain areas. So, grab a cup of locally-roasted coffee (Upstate New York takes its coffee seriously!), settle in, and let’s explore the good, the bad, and the beautiful of living in New York state.
Pro Tip: If you’re new to The Honest Local, welcome! You should know that the fun lives in the comments. Have a question or thought about living in New York State you’d like to share? Drop it in the comments below and someone will respond.
Living in New York State
Table of Contents: Living in New York State
Table of Contents: Living in New York State
Pros of Living in New York State
1. It’s Actually Affordable
Having lived in upstate New York for a few years (moved from NYC), I can tell you firsthand that the cost of living here is way lower compared to the national average and even the state average. This translates to a lot more breathing room in my budget for everyday essentials like housing, groceries, and fun.
For instance, renting an apartment outside NYC can cost about 50% less than what you’d pay in the city. Additionally, the overall cost of living outside the city sits around 15% below the state average, meaning groceries, utilities, and other expenses are generally more affordable.
Sure there are tradeoffs (we’ll address in the cons) but from a financial perspective I find myself a lot less stressed about spending.
2. Home Ownership is Attainable
Having recently bought a house in the Hudson Valley of New York, I can personally vouch for the affordability of home ownership here compared to major cities (like NYC). The median sales price for single-family homes in my neighborhood are a whopping 70% lower compared to the city, making home ownership a realistic goal for many. Half a million dollars still gets you something in these parts.
We’re talking a way smaller down payment and significantly lower monthly mortgage payments compared to what I’d pay for rent in NYC. But affordability goes beyond the sticker price. Property taxes here are slightly lower than the city (outside of Brooklyn), further reducing the overall cost of owning a home.
3. Proximity to New York City
Living in upstate New York, the proximity to the city is another major perk. While upstate offers a slower pace and beautiful landscapes, the city’s vibrant energy isn’t out of reach. For me, it’s just a two-hour train or car ride away, making it an easy to hop down for a concert, Broadway show, or a weekend exploring. Depending on where you live the distance to the city will vary but for most New Yorkers, you’re within striking distance.
The proximity allows you to have your cake and eat it too. Upstate provides a peaceful environment with charming towns and stunning nature, perfect for unwinding and escaping the city rush. But whenever you crave that diverse cultural scene and vibrant energy, a quick pop on the train brings you right back to the heart of NYC.
4. New York State is Naturally Beautiful
I’ve lived in a lot of places over the years, but New York state has truly surprised me. I thought I’d seen it all – bustling cities, sun-drenched beaches, even rolling desert landscapes. But the natural beauty here is something else entirely. Waking up to the Adirondacks is magic. These mountains are ancient, like giants standing guard over the land. It puts things in perspective and makes you appreciate the small stuff.
The Finger Lakes region is amazing as well. Rolling hills, vineyards stretching as far as the eye can see, and crystal-clear lakes so inviting you just want to jump right in. I did, actually, on a recent kayaking trip. Let’s just say my balance needs some work, but the scenery was worth the laughs.
Sure, I’ve seen waterfalls before, but Niagara Falls? That’s a whole other level. The power, the sheer volume of water – it’s enough to leave you speechless. Makes you realize the true force of nature. And these spots just scratch the surface of what New York state has to offer. Upstate is full of hidden gems, from the charming towns nestled in the Catskills to the Thousand Islands waiting to be explored by boat.
5. Outdoor Recreation
One of my favorite parts of living in New York state is the amount of amazing outdoor activities there are here, year-round too! Here’s some of my top recommendations for anyone considering moving here:
- Hike: The Adirondack Park is a must-visit. For a challenge, tackle Lonesome Pine Mountain, or enjoy breathtaking views on the family-friendly Cascade Mountain.
- Bike: Cruise the scenic Finger Lakes Trail, or test your skills on challenging trails at Watkins Glen State Park.
- Fish: Cast your line for trout in the refreshing Delaware River or try your luck for bass in the legendary Lake George (one of my all time favorite spots).
- Boat: Kayak on the serene waters of Lake Placid, or explore the historic Erie Canal, a journey through time.
- Winter Sports: Shred the slopes of Whiteface Mountain or go snowshoeing in the breathtaking landscapes of Letchworth State Park.
- Camp: Pitch a tent under the star-filled sky at Allegany State Park or wake up to stunning lakefront views at Beaver Island State Park.
6. Slower Pace of Life
As someone who’s called Upstate New York home for years now, I can tell you one thing: if you’re yearning for a quieter pace and a chance to breathe, this is the place for you. Living in New York state offers a welcome respite from the constant activity of city life. Here, the days move at a slower pace, allowing you to truly unwind and de-stress.
Enjoy leisurely mornings with a cup of coffee on your porch, take long walks through peaceful neighborhoods, or simply reconnect with yourself and your loved ones without the constant pressure of rushing from one thing to the next. Upstate New York encourages a more relaxed approach to life. Spend your days exploring local farmer’s markets, attending community events, or simply enjoying the peace and quiet of your surroundings.
Here you can really immerse yourself in the tranquil beauty of New York’s natural landscapes. Hike through serene forests, listen to the sounds of birdsong, and appreciate the breathtaking sunsets.
7. Strong Communities
Another great part of living in New York state is the incredible sense of community. It’s not just about friendly neighbors; it’s about feeling genuinely connected and supported by the people around you. New York communities are known (locally) for their warm and welcoming spirit. Whether you’re new to the area or a lifelong resident, you’ll likely find open arms and friendly faces.
Need a helping hand? Chances are your neighbors are just a knock away and willing to lend a helping hand, whether it’s sharing a cup of sugar or offering assistance with a project. From community festivals and farmers’ markets to local sports teams and volunteer opportunities, New York offers numerous ways to connect with others who share your interests and build lasting friendships.
The state is full of locally-owned businesses, many run by families who have been part of the community for generations. Supporting these businesses not only strengthens the local economy but also fosters a sense of shared pride and connection. Whether you find yourself drawn to the close-knit villages or the vibrant small towns, New York state offers a unique sense of belonging. It’s nice to feel rooted and valued as part of something bigger than yourself.
8. Top Notch Education
Living in New York State has been a game-changer for us when it comes to education for our kids. The state’s public schools are some of the highest-ranked in the country. Niche’s 2023 rankings place several New York school districts in the top 100 nationwide, reflecting strong academic performance, teacher quality, and student life.
And when it comes to higher education, New York is home to some renowned institutions like Cornell and Columbia, which consistently appear in the top 20 of U.S. News & World Report’s national university rankings. This level of excellence extends beyond the Ivy League to the State University of New York (SUNY) system, which serves over 1.3 million students, offering everything from two-year degrees to doctoral programs across 64 campuses.
Cons of Moving to New York State
1. Sky High Property Taxes
Ok moving into the cons let’s start with one that almost prevented me from moving to New York state, the sky high property taxes. They can be absolutely brutal here. How brutal you wonder? The top end rates in New York exceed 2.5%! Who can afford that!
Now for those who haven’t clicked away, the average property rate tax in New York is 1.4% making it only the 12th highest in the nation. A lot better than 2.5% but still pretty brutal. So while the houses are by and large pretty affordable, lo the tax man cometh and gets his grubby little share year after year.
2. Brutal Winters
Living in New York state, I’ve become all to intimately familiar with the brutal winters here. The kind that numb your fingers the moment you step outside, where the air itself seems to hold a biting chill. Sure, the snow-covered landscapes are picturesque, but the reality is weeks of below-freezing temperatures, bone-chattering winds, and snow that seems to fall endlessly.
It disrupts your routine, throws commutes into chaos, and jacks up the heating bill. Don’t get me wrong, winter has its charm, but you have to be prepared for the long haul – it’s a test of endurance, not a fleeting inconvenience.
3. Limited Job Opportunities
When we were considering where to settle down, job opportunities were a big part of our decision-making process. New York State is a bit of a mixed bag in that regard. In places like New York City, Albany, and Buffalo, the job market is pretty robust. I’ve seen firsthand, and the stats back it up, how sectors like tech and healthcare are booming in these urban centers. For example, New York City’s tech scene has been on the rise, making its unemployment rate hover around a pretty low 4%.
Compared to bustling metropolitan areas, the state of New York as a whole offers fewer job options, particularly in high-growth sectors like technology and finance. The Bureau of Labor Statistics reports that the national unemployment rate sits around 3.5%, while some Upstate counties grapple with rates exceeding 5%.
Deciding to move here meant looking closely at these dynamics. While New York State offers incredible opportunities in certain fields and cities, it’s not uniform across the board. Knowing where the growth is (and isn’t) helped us pick a spot where we felt confident about finding work and building our careers.
4. Ticks & Tick-Borne Illnesses
Everyone I know knows someone who’s contracted a tick-borne illness. One of my best friends was bitten by a lone star tick and can no longer eat red meat as a result. Dealing with ticks and the illnesses they can carry became a part of our reality after moving to New York state, something I hadn’t fully appreciated before we arrived.
Lyme disease, the most common tick-borne illness, is particularly prevalent here. In fact, New York consistently ranks among the top states in the U.S. for confirmed cases of Lyme disease. Thousands of cases are reported in New York each year.
Beyond Lyme disease, ticks in New York can carry other diseases like anaplasmosis, babesiosis, and Powassan virus disease. I definitely fall into the hyper-vigilant category now — doing thorough tick checks after spending time outdoors, and landscaping our yard to be less tick-friendly.
While it’s an adjustment, it’s also just become a part of our outdoor routine. It hasn’t stopped us from enjoying the incredible nature here, but it has made us more cautious and informed about the risks. Knowing the signs of tick-borne illnesses and how to prevent them is crucial for anyone moving to or living in New York State.
5. Lack of Amenities
Moving to a fairly rural part of New York State definitely meant saying goodbye to some big city amenities I took for granted. No more late-night sushi or weekend brunches at a new spot; options here are quite limited. I used to live where you could find a dozen types of cuisine within a few blocks. Now, it’s a significant drive to the nearest restaurant that’s not a diner or fast food. Goodbye spontaneity.
Shopping has changed, too. I miss being able to choose between several grocery stores or hitting up a 24/7 pharmacy when I needed something in the middle of the night. Here, if you don’t get to the store before it closes early in the evening, you’re out of luck until the next day.
It’s been an adjustment, for sure. The convenience and variety of urban living were something I didn’t fully appreciate until they were no longer just around the corner.
6. Seasonal Allergies
Another thing they don’t tell you about moving to New York State is the seasonal allergies which have hit me harder than I ever expected. The diverse plant life, while beautiful, means that something is almost always in bloom, releasing pollen into the air. Spring and fall are particularly tough; the pollen count seems to skyrocket, and my usual mild allergy symptoms have ramped up to a whole new level of discomfort.
I was used to managing with basic over-the-counter remedies, but here, I’ve had to seek prescription solutions just to get through the day without constant sneezing, itchy eyes, and a runny nose. It’s a bit ironic — one of the reasons we moved was for the natural beauty and outdoor lifestyle, yet now, I find myself checking the pollen forecast daily, trying to plan my outdoor activities around it.
7. High Energy Costs
Living in New York state means accepting some of the highest electric bills in the nation. According to the U.S. Energy Information Administration, the average retail price of electricity for New York residents is around 18 cents per kilowatt-hour (kWh), well above the national average of about 13 cents per kWh. Come winter when we’re running the heat constantly to survive and the summer when we’re running the AC all the time, this takes a huge cut out of our monthly budget.
This situation is made worse by the fact that many homes, especially in rural areas, rely on heating oil, the prices of which fluctuate greatly, adding another layer of unpredictability to winter energy costs.
FAQ – Living in New York State
Frequently Asked Questions About Living in New York State
Yes, New York (excluding NYC) is a great place to live for families seeking excellent schools and a supportive community. Nature lovers enjoy the scenic landscapes and outdoor activities, while those on a budget might find it less expensive than the city. However, high property taxes, harsh winters, and limited job opportunities in some fields might deter others. It ultimately depends on your priorities and preferences.
Living in New York State can be expensive, especially in urban areas like New York City, where the cost of living is significantly higher than the national average. Housing, taxes, and general expenses contribute to these costs. However, expenses vary across the state, with more affordable living options available in rural and some suburban areas. Despite higher costs in certain regions, the state offers a range of lifestyles and amenities that can justify the expense for many residents.
The short answer is yes if you live in the city and no if you live in a rural area. However, the amount of money needed to live comfortably in New York State varies significantly depending on location and lifestyle. For example, living in urban areas like New York City requires a substantially higher income due to expensive housing and living costs, where a comfortable lifestyle could easily require an annual income of $100,000 or more for an individual. In contrast, in more rural or suburban areas, the cost of living is lower, and an income of around $50,000 to $70,000 might suffice for a comfortable living for an individual.
Map of New York State
Summary of the Pros & Cons of Living in New York State
- It’s Actually Affordable
- Home Ownership is Attainable
- Proximity to New York City
- New York State is Naturally Beautiful
- Outdoor Recreation
- Slower Pace of Life
- Strong Communities
- Top Notch Education
- Sky High Property Taxes
- Brutal Winters
- Limited Job Opportunities
- Ticks & Tick-Borne Illnesses
- Lack of Amenities
- Seasonal Allergies
- High Energy Costs
Compare the Pros vs the Cons of Living in New York State
Pros | Cons |
---|---|
It’s Actually Affordable | Sky High Property Taxes |
Home Ownership is Attainable | Brutal Winters |
Proximity to New York City | Limited Job Opportunities |
New York State is Naturally Beautiful | Ticks & Tick-Borne Illnesses |
Outdoor Recreation | Lack of Amenities |
Slower Pace of Life | Seasonal Allergies |
Strong Communities | High Energy Costs |
Top Notch Education |
Pin Living in New York State
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