Are you dreaming of living in New York but worried about the high cost of rent and home prices? You’re not alone. The Empire State is often seen as one of the most expensive places to live in the U.S.—especially if you’re thinking about New York City. But here’s the good news: there are affordable cities in New York that offer a great lifestyle without the sky-high price tag.
Whether you’re planning to buy your first home, looking for a peaceful town to retire in, or searching for a family-friendly city with good schools and outdoor fun, New York State has many budget-friendly options. From small historic towns to growing cities with strong job markets, we’ve rounded up the 10 cheapest places to live in New York you’ll want to move to in 2025.
These places are not just affordable—they’re also livable, safe, and full of charm.
1. Elmira, NY – A Peaceful Gem with Rich History
Median home price: $82,450 | Average rent: $1,290
Elmira tops the list as one of the most affordable places to live in New York. Known for its beautiful parks and historical landmarks, this small city is perfect for anyone who wants a quiet life. You can visit the Mark Twain Study, walk around Eldridge Park, or hike at the Tanglewood Nature Center. The cost of living here is low, and the community is welcoming. Whether you’re a retiree or a first-time buyer, Elmira is a smart choice.
