9. Schenectady, NY – Affordable and Full of History

Median home price: $204,750
Schenectady is a historic city located near Albany with a lower cost of living. It’s best known for the Stockade Historic District and a growing downtown scene. The city also offers access to parks, the Mohawk River, and several museums. Schenectady is a great place for families and retirees looking for affordable homes in a convenient location.