New York
For Americans thinking of retiring to New York from another state, or comparing it with a move abroad. Prices in New York run at 107.9 against a US average of 100, with housing at 122.2. We cover New York's 62 counties on the map below, each with a page of its own, and no town in depth yet.
Sources: BEA Regional Price Parities by state, 2024 (SARPP, line codes 1-5), 2024-12-31
New York is not compared with a town — compare two towns instead. Why?
New York, a state of the United States, is not the same kind of thing as a town: it spans many counties and very different places. Putting a state-wide average beside one town's own figures produces a number that looks like an answer and describes nothing a person would experience — so the engine refuses that pairing rather than rendering it thinly. A town against another town, here or abroad, is like-for-like. Build a comparison →
Research in progress. Our quality assessment of the official sources for the United States is not finished yet. Every figure published here is sourced and dated.
New York's 62 counties
Every county in New York on its own figures, against every US county that has the same figure. Pick a county on the map or in the list.
- Lowest fifth of US counties
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- Highest fifth (darker = a larger share 65+)
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- At least one hospital rated 4 or 5 stars by CMS
- None in the county
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- Bottom fifth of US counties
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- Top fifth (darker = cheaper)
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- Top fifth (darker = lower)
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- Bottom fifth of US counties
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- Bottom fifth of US counties
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Outlines: US Census Bureau, cartographic boundary files (2024). A fifth is among every US county holding the figure, so a color means the same thing in every state.
All 62 counties, with their figures
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Albany County
321,225 residents, 63,718 aged 65 or older (19.8 %)
- Cost of living
- 99.6 Cheaper than 10 % of the other 3,142 US counties Its area's figure: every county in the area shares it. Albany-Schenectady-Troy, NY metropolitan area, US = 100
- Taxes on a retired couple
- USD $6,178 Lower than 7 % of the other 3,110 US counties
- Healthcare access
- No hospital in the county rated 4 or 5 stars by CMS
- Safety
- 5.3 per 100,000 a year Lower than 68 % of the other 767 US counties
- Climate
- 5.0 months a year More than 39 % of the other 3,143 US counties
- Natural-hazard risk
- USD $0.72 per USD $1,000 of buildings Lower than 96 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $5,170 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Albany, Cohoes, Watervliet (Census, 1 July 2024).
Albany County page → -
Allegany County
46,800 residents, 10,104 aged 65 or older (21.6 %)
- Cost of living
- 91.6 Cheaper than 34 % of the other 3,142 US counties Its area's figure: every county in the area shares it. New York nonmetropolitan portion, US = 100
- Taxes on a retired couple
- USD $10,214 Lower than 0 % of the other 3,110 US counties
- Healthcare access
- 1 hospital in the county rated 4 or 5 stars by CMS
- Safety
- Allegany County had fewer than 20 homicides in 2020–2024: CDC WONDER publishes no reliable rate below that.
- Climate
- 4.0 months a year More than 7 % of the other 3,143 US counties
- Natural-hazard risk
- USD $2.23 per USD $1,000 of buildings Lower than 15 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $6,310 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Alfred, Wellsville, Cuba (Census, 1 July 2024).
Allegany County page → -
Bronx County
1,406,332 residents, 221,393 aged 65 or older (15.7 %)
- Cost of living
- 112.6 Cheaper than 0 % of the other 3,142 US counties Its area's figure: every county in the area shares it. New York-Newark-Jersey City, NY-NJ metropolitan area, US = 100
- Taxes on a retired couple
- USD $3,600 Lower than 41 % of the other 3,110 US counties
- Healthcare access
- 1 hospital in the county rated 4 or 5 stars by CMS
- Safety
- 9.5 per 100,000 a year Lower than 36 % of the other 767 US counties
- Climate
- 5.0 months a year More than 39 % of the other 3,143 US counties
- Natural-hazard risk
- USD $0.82 per USD $1,000 of buildings Lower than 91 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $5,375 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest place: New York (Census, 1 July 2024).
Bronx County page → -
Broome County
195,736 residents, 42,746 aged 65 or older (21.8 %)
- Cost of living
- 92.9 Cheaper than 28 % of the other 3,142 US counties Its area's figure: every county in the area shares it. Binghamton, NY metropolitan area, US = 100
- Taxes on a retired couple
- USD $8,817 Lower than 0 % of the other 3,110 US counties
- Healthcare access
- No hospital in the county rated 4 or 5 stars by CMS
- Safety
- 2.7 per 100,000 a year Lower than 91 % of the other 767 US counties
- Climate
- 5.0 months a year More than 39 % of the other 3,143 US counties
- Natural-hazard risk
- USD $1.27 per USD $1,000 of buildings Lower than 54 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $6,238 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Binghamton, Johnson City, Endicott (Census, 1 July 2024).
Broome County page → -
Cattaraugus County
75,390 residents, 17,253 aged 65 or older (22.9 %)
- Cost of living
- 91.6 Cheaper than 34 % of the other 3,142 US counties Its area's figure: every county in the area shares it. New York nonmetropolitan portion, US = 100
- Taxes on a retired couple
- USD $9,256 Lower than 0 % of the other 3,110 US counties
- Healthcare access
- No hospital in the county rated 4 or 5 stars by CMS
- Safety
- Cattaraugus County had fewer than 20 homicides in 2020–2024: CDC WONDER publishes no reliable rate below that.
- Climate
- 5.0 months a year More than 39 % of the other 3,143 US counties
- Natural-hazard risk
- USD $1.44 per USD $1,000 of buildings Lower than 42 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $6,430 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Olean, Salamanca, Gowanda (Census, 1 July 2024).
Cattaraugus County page → -
Cayuga County
74,365 residents, 17,803 aged 65 or older (23.9 %)
- Cost of living
- 91.6 Cheaper than 34 % of the other 3,142 US counties Its area's figure: every county in the area shares it. New York nonmetropolitan portion, US = 100
- Taxes on a retired couple
- USD $7,655 Lower than 2 % of the other 3,110 US counties
- Healthcare access
- No hospital in the county rated 4 or 5 stars by CMS
- Safety
- Cayuga County had fewer than 20 homicides in 2020–2024: CDC WONDER publishes no reliable rate below that.
- Climate
- 5.0 months a year More than 39 % of the other 3,143 US counties
- Natural-hazard risk
- USD $1.14 per USD $1,000 of buildings Lower than 65 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $6,166 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Auburn, Weedsport, Moravia (Census, 1 July 2024).
Cayuga County page → -
Chautauqua County
124,126 residents, 29,576 aged 65 or older (23.8 %)
- Cost of living
- 91.6 Cheaper than 34 % of the other 3,142 US counties Its area's figure: every county in the area shares it. New York nonmetropolitan portion, US = 100
- Taxes on a retired couple
- USD $7,939 Lower than 1 % of the other 3,110 US counties
- Healthcare access
- No hospital in the county rated 4 or 5 stars by CMS
- Safety
- Chautauqua County had fewer than 20 homicides in 2020–2024: CDC WONDER publishes no reliable rate below that.
- Climate
- 4.0 months a year More than 7 % of the other 3,143 US counties
- Natural-hazard risk
- USD $1.23 per USD $1,000 of buildings Lower than 57 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $6,046 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Jamestown, Dunkirk, Fredonia (Census, 1 July 2024).
Chautauqua County page → -
Chemung County
80,415 residents, 17,955 aged 65 or older (22.3 %)
- Cost of living
- 94.4 Cheaper than 24 % of the other 3,142 US counties Elmira, NY metropolitan area, US = 100
- Taxes on a retired couple
- USD $8,560 Lower than 1 % of the other 3,110 US counties
- Healthcare access
- No hospital in the county rated 4 or 5 stars by CMS
- Safety
- Chemung County had fewer than 20 homicides in 2020–2024: CDC WONDER publishes no reliable rate below that.
- Climate
- 5.0 months a year More than 39 % of the other 3,143 US counties
- Natural-hazard risk
- USD $0.86 per USD $1,000 of buildings Lower than 88 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $6,358 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Elmira, Horseheads, Elmira Heights (Census, 1 July 2024).
Chemung County page → -
Chenango County
45,715 residents, 11,344 aged 65 or older (24.8 %)
- Cost of living
- 91.6 Cheaper than 34 % of the other 3,142 US counties Its area's figure: every county in the area shares it. New York nonmetropolitan portion, US = 100
- Taxes on a retired couple
- USD $7,919 Lower than 1 % of the other 3,110 US counties
- Healthcare access
- No hospital in the county rated 4 or 5 stars by CMS
- Safety
- Chenango County had fewer than 20 homicides in 2020–2024: CDC WONDER publishes no reliable rate below that.
- Climate
- 5.0 months a year More than 39 % of the other 3,143 US counties
- Natural-hazard risk
- USD $2.00 per USD $1,000 of buildings Lower than 19 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $6,430 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Norwich, Greene, Sherburne (Census, 1 July 2024).
Chenango County page → -
Clinton County
78,138 residents, 16,874 aged 65 or older (21.6 %)
- Cost of living
- 91.6 Cheaper than 34 % of the other 3,142 US counties Its area's figure: every county in the area shares it. New York nonmetropolitan portion, US = 100
- Taxes on a retired couple
- USD $6,988 Lower than 3 % of the other 3,110 US counties
- Healthcare access
- No hospital in the county rated 4 or 5 stars by CMS
- Safety
- Clinton County had fewer than 20 homicides in 2020–2024: CDC WONDER publishes no reliable rate below that.
- Climate
- 4.0 months a year More than 7 % of the other 3,143 US counties
- Natural-hazard risk
- USD $1.25 per USD $1,000 of buildings Lower than 56 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $4,870 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Plattsburgh, Dannemora, Rouses Point (Census, 1 July 2024).
Clinton County page → -
Columbia County
60,168 residents, 17,512 aged 65 or older (29.1 %)
- Cost of living
- 91.6 Cheaper than 34 % of the other 3,142 US counties Its area's figure: every county in the area shares it. New York nonmetropolitan portion, US = 100
- Taxes on a retired couple
- USD $4,893 Lower than 17 % of the other 3,110 US counties
- Healthcare access
- No hospital in the county rated 4 or 5 stars by CMS
- Safety
- Columbia County had fewer than 20 homicides in 2020–2024: CDC WONDER publishes no reliable rate below that.
- Climate
- 5.0 months a year More than 39 % of the other 3,143 US counties
- Natural-hazard risk
- USD $1.03 per USD $1,000 of buildings Lower than 76 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $5,806 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Hudson, Valatie, Chatham (Census, 1 July 2024).
Columbia County page → -
Cortland County
45,850 residents, 9,485 aged 65 or older (20.7 %)
- Cost of living
- 91.6 Cheaper than 34 % of the other 3,142 US counties Its area's figure: every county in the area shares it. New York nonmetropolitan portion, US = 100
- Taxes on a retired couple
- USD $8,958 Lower than 0 % of the other 3,110 US counties
- Healthcare access
- No hospital in the county rated 4 or 5 stars by CMS
- Safety
- Cortland County had fewer than 20 homicides in 2020–2024: CDC WONDER publishes no reliable rate below that.
- Climate
- 5.0 months a year More than 39 % of the other 3,143 US counties
- Natural-hazard risk
- USD $1.42 per USD $1,000 of buildings Lower than 43 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $6,358 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Cortland, Homer, McGraw (Census, 1 July 2024).
Cortland County page → -
Delaware County
44,305 residents, 12,371 aged 65 or older (27.9 %)
- Cost of living
- 91.6 Cheaper than 34 % of the other 3,142 US counties Its area's figure: every county in the area shares it. New York nonmetropolitan portion, US = 100
- Taxes on a retired couple
- USD $6,012 Lower than 7 % of the other 3,110 US counties
- Healthcare access
- No hospital in the county rated 4 or 5 stars by CMS
- Safety
- Delaware County had fewer than 20 homicides in 2020–2024: CDC WONDER publishes no reliable rate below that.
- Climate
- 4.0 months a year More than 7 % of the other 3,143 US counties
- Natural-hazard risk
- USD $1.99 per USD $1,000 of buildings Lower than 19 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $7,486 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Sidney, Delhi, Walton (Census, 1 July 2024).
Delaware County page → -
Dutchess County
300,708 residents, 63,563 aged 65 or older (21.1 %)
- Cost of living
- 109.4 Cheaper than 1 % of the other 3,142 US counties Its area's figure: every county in the area shares it. Kiryas Joel-Poughkeepsie-Newburgh, NY metropolitan area, US = 100
- Taxes on a retired couple
- USD $6,607 Lower than 5 % of the other 3,110 US counties
- Healthcare access
- 1 hospital in the county rated 4 or 5 stars by CMS
- Safety
- 2.0 per 100,000 a year Lower than 96 % of the other 767 US counties
- Climate
- 5.0 months a year More than 39 % of the other 3,143 US counties
- Natural-hazard risk
- USD $1.07 per USD $1,000 of buildings Lower than 72 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $5,638 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Poughkeepsie, Beacon, Wappingers Falls (Census, 1 July 2024).
Dutchess County page → -
Erie County
946,741 residents, 200,503 aged 65 or older (21.2 %)
- Cost of living
- 95.8 Cheaper than 20 % of the other 3,142 US counties Its area's figure: every county in the area shares it. Buffalo-Cheektowaga, NY metropolitan area, US = 100
- Taxes on a retired couple
- USD $6,919 Lower than 4 % of the other 3,110 US counties
- Healthcare access
- 1 hospital in the county rated 4 or 5 stars by CMS
- Safety
- 7.6 per 100,000 a year Lower than 49 % of the other 767 US counties
- Climate
- 5.0 months a year More than 39 % of the other 3,143 US counties
- Natural-hazard risk
- USD $1.08 per USD $1,000 of buildings Lower than 70 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $5,854 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Buffalo, Lackawanna, Tonawanda (Census, 1 July 2024).
Erie County page → -
Essex County
36,438 residents, 10,165 aged 65 or older (27.9 %)
- Cost of living
- 91.6 Cheaper than 34 % of the other 3,142 US counties Its area's figure: every county in the area shares it. New York nonmetropolitan portion, US = 100
- Taxes on a retired couple
- USD $5,152 Lower than 14 % of the other 3,110 US counties
- Healthcare access
- 1 hospital in the county rated 4 or 5 stars by CMS
- Safety
- Essex County had fewer than 20 homicides in 2020–2024: CDC WONDER publishes no reliable rate below that.
- Climate
- 4.0 months a year More than 7 % of the other 3,143 US counties
- Natural-hazard risk
- USD $1.28 per USD $1,000 of buildings Lower than 53 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $4,870 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Lake Placid, Saranac Lake (Census, 1 July 2024).
Essex County page → -
Franklin County
46,500 residents, 10,376 aged 65 or older (22.3 %)
- Cost of living
- 91.6 Cheaper than 34 % of the other 3,142 US counties Its area's figure: every county in the area shares it. New York nonmetropolitan portion, US = 100
- Taxes on a retired couple
- USD $5,873 Lower than 8 % of the other 3,110 US counties
- Healthcare access
- 1 hospital in the county rated 4 or 5 stars by CMS
- Safety
- Franklin County had fewer than 20 homicides in 2020–2024: CDC WONDER publishes no reliable rate below that.
- Climate
- 4.0 months a year More than 7 % of the other 3,143 US counties
- Natural-hazard risk
- USD $1.07 per USD $1,000 of buildings Lower than 71 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $4,870 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Malone, Saranac Lake, Tupper Lake (Census, 1 July 2024).
Franklin County page → -
Fulton County
52,216 residents, 12,258 aged 65 or older (23.5 %)
- Cost of living
- 91.6 Cheaper than 34 % of the other 3,142 US counties Its area's figure: every county in the area shares it. New York nonmetropolitan portion, US = 100
- Taxes on a retired couple
- USD $7,219 Lower than 3 % of the other 3,110 US counties
- Healthcare access
- No hospital in the county rated 4 or 5 stars by CMS
- Safety
- Fulton County had fewer than 20 homicides in 2020–2024: CDC WONDER publishes no reliable rate below that.
- Climate
- 5.0 months a year More than 39 % of the other 3,143 US counties
- Natural-hazard risk
- USD $1.08 per USD $1,000 of buildings Lower than 70 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $5,926 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Gloversville, Johnstown, Broadalbin (Census, 1 July 2024).
Fulton County page → -
Genesee County
58,416 residents, 13,198 aged 65 or older (22.6 %)
- Cost of living
- 91.6 Cheaper than 34 % of the other 3,142 US counties Its area's figure: every county in the area shares it. New York nonmetropolitan portion, US = 100
- Taxes on a retired couple
- USD $8,443 Lower than 1 % of the other 3,110 US counties
- Healthcare access
- No hospital in the county rated 4 or 5 stars by CMS
- Safety
- Genesee County had fewer than 20 homicides in 2020–2024: CDC WONDER publishes no reliable rate below that.
- Climate
- 5.0 months a year More than 39 % of the other 3,143 US counties
- Natural-hazard risk
- USD $1.03 per USD $1,000 of buildings Lower than 76 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $6,679 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Batavia, Le Roy, Oakfield (Census, 1 July 2024).
Genesee County page → -
Greene County
47,238 residents, 12,049 aged 65 or older (25.5 %)
- Cost of living
- 91.6 Cheaper than 34 % of the other 3,142 US counties Its area's figure: every county in the area shares it. New York nonmetropolitan portion, US = 100
- Taxes on a retired couple
- USD $5,227 Lower than 13 % of the other 3,110 US counties
- Healthcare access
- No hospital in the county rated 4 or 5 stars by CMS
- Safety
- Greene County had fewer than 20 homicides in 2020–2024: CDC WONDER publishes no reliable rate below that.
- Climate
- 5.0 months a year More than 39 % of the other 3,143 US counties
- Natural-hazard risk
- USD $1.29 per USD $1,000 of buildings Lower than 52 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $5,806 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Catskill, Coxsackie, Athens (Census, 1 July 2024).
Greene County page → -
Hamilton County
5,006 residents, 1,913 aged 65 or older (38.2 %)
- Cost of living
- 91.6 Cheaper than 34 % of the other 3,142 US counties Its area's figure: every county in the area shares it. New York nonmetropolitan portion, US = 100
- Taxes on a retired couple
- USD $3,493 Lower than 43 % of the other 3,110 US counties
- Healthcare access
- No hospital in the county rated 4 or 5 stars by CMS
- Safety
- Hamilton County had fewer than 20 homicides in 2020–2024: CDC WONDER publishes no reliable rate below that.
- Climate
- 3.0 months a year More than 2 % of the other 3,143 US counties
- Natural-hazard risk
- USD $1.40 per USD $1,000 of buildings Lower than 44 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $4,870 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest place: Speculator (Census, 1 July 2024).
Hamilton County page → -
Herkimer County
59,219 residents, 14,258 aged 65 or older (24.1 %)
- Cost of living
- 92.7 Cheaper than 29 % of the other 3,142 US counties Its area's figure: every county in the area shares it. Utica-Rome, NY metropolitan area, US = 100
- Taxes on a retired couple
- USD $7,363 Lower than 2 % of the other 3,110 US counties
- Healthcare access
- No hospital in the county rated 4 or 5 stars by CMS
- Safety
- Herkimer County had fewer than 20 homicides in 2020–2024: CDC WONDER publishes no reliable rate below that.
- Climate
- 4.0 months a year More than 7 % of the other 3,143 US counties
- Natural-hazard risk
- USD $1.25 per USD $1,000 of buildings Lower than 56 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $5,686 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Ilion, Herkimer, Little Falls (Census, 1 July 2024).
Herkimer County page → -
Jefferson County
111,540 residents, 19,665 aged 65 or older (17.6 %)
- Cost of living
- 87.7 Cheaper than 62 % of the other 3,142 US counties Watertown-Fort Drum, NY metropolitan area, US = 100
- Taxes on a retired couple
- USD $5,391 Lower than 12 % of the other 3,110 US counties
- Healthcare access
- No hospital in the county rated 4 or 5 stars by CMS
- Safety
- Jefferson County had fewer than 20 homicides in 2020–2024: CDC WONDER publishes no reliable rate below that.
- Climate
- 4.0 months a year More than 7 % of the other 3,143 US counties
- Natural-hazard risk
- USD $0.83 per USD $1,000 of buildings Lower than 90 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $6,166 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Watertown, Carthage, West Carthage (Census, 1 July 2024).
Jefferson County page → -
Kings County
2,653,963 residents, 418,080 aged 65 or older (15.8 %)
- Cost of living
- 112.6 Cheaper than 0 % of the other 3,142 US counties Its area's figure: every county in the area shares it. New York-Newark-Jersey City, NY-NJ metropolitan area, US = 100
- Taxes on a retired couple
- USD $2,468 Lower than 68 % of the other 3,110 US counties
- Healthcare access
- 1 hospital in the county rated 4 or 5 stars by CMS
- Safety
- 5.6 per 100,000 a year Lower than 65 % of the other 767 US counties
- Climate
- 5.0 months a year More than 39 % of the other 3,143 US counties
- Natural-hazard risk
- USD $0.67 per USD $1,000 of buildings Lower than 97 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $4,870 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest place: New York (Census, 1 July 2024).
Kings County page → -
Lewis County
26,479 residents, 6,143 aged 65 or older (23.2 %)
- Cost of living
- 91.6 Cheaper than 34 % of the other 3,142 US counties Its area's figure: every county in the area shares it. New York nonmetropolitan portion, US = 100
- Taxes on a retired couple
- USD $5,664 Lower than 9 % of the other 3,110 US counties
- Healthcare access
- No hospital in the county rated 4 or 5 stars by CMS
- Safety
- Lewis County had fewer than 20 homicides in 2020–2024: CDC WONDER publishes no reliable rate below that.
- Climate
- 4.0 months a year More than 7 % of the other 3,143 US counties
- Natural-hazard risk
- USD $1.09 per USD $1,000 of buildings Lower than 70 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $6,166 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Lowville, Copenhagen, Croghan (Census, 1 July 2024).
Lewis County page → -
Livingston County
61,438 residents, 14,253 aged 65 or older (23.2 %)
- Cost of living
- 97.0 Cheaper than 17 % of the other 3,142 US counties Its area's figure: every county in the area shares it. Rochester, NY metropolitan area, US = 100
- Taxes on a retired couple
- USD $8,592 Lower than 0 % of the other 3,110 US counties
- Healthcare access
- No hospital in the county rated 4 or 5 stars by CMS
- Safety
- Livingston County had fewer than 20 homicides in 2020–2024: CDC WONDER publishes no reliable rate below that.
- Climate
- 5.0 months a year More than 39 % of the other 3,143 US counties
- Natural-hazard risk
- USD $0.95 per USD $1,000 of buildings Lower than 81 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $7,025 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Geneseo, Dansville, Avon (Census, 1 July 2024).
Livingston County page → -
Madison County
67,120 residents, 15,128 aged 65 or older (22.5 %)
- Cost of living
- 95.7 Cheaper than 20 % of the other 3,142 US counties Its area's figure: every county in the area shares it. Syracuse, NY metropolitan area, US = 100
- Taxes on a retired couple
- USD $7,927 Lower than 1 % of the other 3,110 US counties
- Healthcare access
- 1 hospital in the county rated 4 or 5 stars by CMS
- Safety
- Madison County had fewer than 20 homicides in 2020–2024: CDC WONDER publishes no reliable rate below that.
- Climate
- 5.0 months a year More than 39 % of the other 3,143 US counties
- Natural-hazard risk
- USD $1.30 per USD $1,000 of buildings Lower than 52 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $5,206 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Oneida, Chittenango, Canastota (Census, 1 July 2024).
Madison County page → -
Monroe County
750,506 residents, 158,814 aged 65 or older (21.2 %)
- Cost of living
- 97.0 Cheaper than 17 % of the other 3,142 US counties Its area's figure: every county in the area shares it. Rochester, NY metropolitan area, US = 100
- Taxes on a retired couple
- USD $9,198 Lower than 0 % of the other 3,110 US counties
- Healthcare access
- No hospital in the county rated 4 or 5 stars by CMS
- Safety
- 9.2 per 100,000 a year Lower than 37 % of the other 767 US counties
- Climate
- 4.0 months a year More than 7 % of the other 3,143 US counties
- Natural-hazard risk
- USD $0.70 per USD $1,000 of buildings Lower than 96 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $7,025 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Rochester, Brockport, East Rochester (Census, 1 July 2024).
Monroe County page → -
Montgomery County
50,046 residents, 10,328 aged 65 or older (20.6 %)
- Cost of living
- 91.6 Cheaper than 34 % of the other 3,142 US counties Its area's figure: every county in the area shares it. New York nonmetropolitan portion, US = 100
- Taxes on a retired couple
- USD $8,604 Lower than 0 % of the other 3,110 US counties
- Healthcare access
- No hospital in the county rated 4 or 5 stars by CMS
- Safety
- Montgomery County had fewer than 20 homicides in 2020–2024: CDC WONDER publishes no reliable rate below that.
- Climate
- 5.0 months a year More than 39 % of the other 3,143 US counties
- Natural-hazard risk
- USD $1.52 per USD $1,000 of buildings Lower than 37 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $4,870 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Amsterdam, Canajoharie, Fort Plain (Census, 1 July 2024).
Montgomery County page → -
Nassau County
1,398,939 residents, 287,121 aged 65 or older (20.5 %)
- Cost of living
- 112.6 Cheaper than 0 % of the other 3,142 US counties Its area's figure: every county in the area shares it. New York-Newark-Jersey City, NY-NJ metropolitan area, US = 100
- Taxes on a retired couple
- Nassau County has no property-tax figure: the Census publishes no single median taxes paid or home value for it (too few sample cases, or a median beyond the end of its table).
- Healthcare access
- 6 hospitals in the county rated 4 or 5 stars by CMS
- Safety
- 1.6 per 100,000 a year Lower than 99 % of the other 767 US counties
- Climate
- 4.0 months a year More than 7 % of the other 3,143 US counties
- Natural-hazard risk
- USD $0.84 per USD $1,000 of buildings Lower than 90 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $5,280 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Hempstead, Freeport, Valley Stream (Census, 1 July 2024).
Nassau County page → -
New York County
1,664,862 residents, 310,801 aged 65 or older (18.7 %)
- Cost of living
- 112.6 Cheaper than 0 % of the other 3,142 US counties Its area's figure: every county in the area shares it. New York-Newark-Jersey City, NY-NJ metropolitan area, US = 100
- Taxes on a retired couple
- New York County has no property-tax figure: the Census publishes no single median taxes paid or home value for it (too few sample cases, or a median beyond the end of its table).
- Healthcare access
- 6 hospitals in the county rated 4 or 5 stars by CMS
- Safety
- 3.9 per 100,000 a year Lower than 80 % of the other 767 US counties
- Climate
- 5.0 months a year More than 39 % of the other 3,143 US counties
- Natural-hazard risk
- USD $0.78 per USD $1,000 of buildings Lower than 93 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $5,280 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest place: New York (Census, 1 July 2024).
New York County page → -
Niagara County
208,912 residents, 48,245 aged 65 or older (23.1 %)
- Cost of living
- 95.8 Cheaper than 20 % of the other 3,142 US counties Its area's figure: every county in the area shares it. Buffalo-Cheektowaga, NY metropolitan area, US = 100
- Taxes on a retired couple
- USD $7,662 Lower than 2 % of the other 3,110 US counties
- Healthcare access
- No hospital in the county rated 4 or 5 stars by CMS
- Safety
- 7.0 per 100,000 a year Lower than 54 % of the other 767 US counties
- Climate
- 4.0 months a year More than 7 % of the other 3,143 US counties
- Natural-hazard risk
- USD $1.05 per USD $1,000 of buildings Lower than 74 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $5,854 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Niagara Falls, North Tonawanda, Lockport (Census, 1 July 2024).
Niagara County page → -
Oneida County
226,392 residents, 48,900 aged 65 or older (21.6 %)
- Cost of living
- 92.7 Cheaper than 29 % of the other 3,142 US counties Its area's figure: every county in the area shares it. Utica-Rome, NY metropolitan area, US = 100
- Taxes on a retired couple
- USD $7,073 Lower than 3 % of the other 3,110 US counties
- Healthcare access
- No hospital in the county rated 4 or 5 stars by CMS
- Safety
- 4.2 per 100,000 a year Lower than 78 % of the other 767 US counties
- Climate
- 5.0 months a year More than 39 % of the other 3,143 US counties
- Natural-hazard risk
- USD $0.86 per USD $1,000 of buildings Lower than 88 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $4,870 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Utica, Rome, Whitesboro (Census, 1 July 2024).
Oneida County page → -
Onondaga County
466,584 residents, 97,042 aged 65 or older (20.8 %)
- Cost of living
- 95.7 Cheaper than 20 % of the other 3,142 US counties Its area's figure: every county in the area shares it. Syracuse, NY metropolitan area, US = 100
- Taxes on a retired couple
- USD $8,531 Lower than 1 % of the other 3,110 US counties
- Healthcare access
- No hospital in the county rated 4 or 5 stars by CMS
- Safety
- 6.5 per 100,000 a year Lower than 57 % of the other 767 US counties
- Climate
- 5.0 months a year More than 39 % of the other 3,143 US counties
- Natural-hazard risk
- USD $0.85 per USD $1,000 of buildings Lower than 89 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $5,818 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Syracuse, Baldwinsville, North Syracuse (Census, 1 July 2024).
Onondaga County page → -
Ontario County
113,130 residents, 28,437 aged 65 or older (25.1 %)
- Cost of living
- 97.0 Cheaper than 17 % of the other 3,142 US counties Its area's figure: every county in the area shares it. Rochester, NY metropolitan area, US = 100
- Taxes on a retired couple
- USD $7,168 Lower than 3 % of the other 3,110 US counties
- Healthcare access
- No hospital in the county rated 4 or 5 stars by CMS
- Safety
- Ontario County had fewer than 20 homicides in 2020–2024: CDC WONDER publishes no reliable rate below that.
- Climate
- 5.0 months a year More than 39 % of the other 3,143 US counties
- Natural-hazard risk
- USD $0.77 per USD $1,000 of buildings Lower than 93 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $5,326 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Geneva, Canandaigua, Victor (Census, 1 July 2024).
Ontario County page → -
Orange County
417,669 residents, 66,341 aged 65 or older (15.9 %)
- Cost of living
- 109.4 Cheaper than 1 % of the other 3,142 US counties Its area's figure: every county in the area shares it. Kiryas Joel-Poughkeepsie-Newburgh, NY metropolitan area, US = 100
- Taxes on a retired couple
- USD $7,664 Lower than 2 % of the other 3,110 US counties
- Healthcare access
- 2 hospitals in the county rated 4 or 5 stars by CMS
- Safety
- 2.1 per 100,000 a year Lower than 95 % of the other 767 US counties
- Climate
- 5.0 months a year More than 39 % of the other 3,143 US counties
- Natural-hazard risk
- USD $0.92 per USD $1,000 of buildings Lower than 84 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $5,566 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Kiryas Joel, Middletown, Newburgh (Census, 1 July 2024).
Orange County page → -
Orleans County
39,825 residents, 8,935 aged 65 or older (22.4 %)
- Cost of living
- 97.0 Cheaper than 17 % of the other 3,142 US counties Its area's figure: every county in the area shares it. Rochester, NY metropolitan area, US = 100
- Taxes on a retired couple
- USD $9,503 Lower than 0 % of the other 3,110 US counties
- Healthcare access
- No hospital in the county rated 4 or 5 stars by CMS
- Safety
- Orleans County had fewer than 20 homicides in 2020–2024: CDC WONDER publishes no reliable rate below that.
- Climate
- 4.0 months a year More than 7 % of the other 3,143 US counties
- Natural-hazard risk
- USD $0.65 per USD $1,000 of buildings Lower than 98 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $6,802 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Medina, Albion, Holley (Census, 1 July 2024).
Orleans County page → -
Oswego County
118,569 residents, 24,210 aged 65 or older (20.4 %)
- Cost of living
- 95.7 Cheaper than 20 % of the other 3,142 US counties Its area's figure: every county in the area shares it. Syracuse, NY metropolitan area, US = 100
- Taxes on a retired couple
- USD $8,412 Lower than 1 % of the other 3,110 US counties
- Healthcare access
- No hospital in the county rated 4 or 5 stars by CMS
- Safety
- Oswego County had fewer than 20 homicides in 2020–2024: CDC WONDER publishes no reliable rate below that.
- Climate
- 4.0 months a year More than 7 % of the other 3,143 US counties
- Natural-hazard risk
- USD $0.91 per USD $1,000 of buildings Lower than 85 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $6,358 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Oswego, Fulton, Pulaski (Census, 1 July 2024).
Oswego County page → -
Otsego County
60,589 residents, 14,206 aged 65 or older (23.4 %)
- Cost of living
- 91.6 Cheaper than 34 % of the other 3,142 US counties Its area's figure: every county in the area shares it. New York nonmetropolitan portion, US = 100
- Taxes on a retired couple
- USD $5,943 Lower than 8 % of the other 3,110 US counties
- Healthcare access
- No hospital in the county rated 4 or 5 stars by CMS
- Safety
- Otsego County had fewer than 20 homicides in 2020–2024: CDC WONDER publishes no reliable rate below that.
- Climate
- 4.0 months a year More than 7 % of the other 3,143 US counties
- Natural-hazard risk
- USD $1.70 per USD $1,000 of buildings Lower than 28 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $6,670 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Oneonta, Cooperstown, Richfield Springs (Census, 1 July 2024).
Otsego County page → -
Putnam County
99,028 residents, 21,134 aged 65 or older (21.3 %)
- Cost of living
- 112.6 Cheaper than 0 % of the other 3,142 US counties Its area's figure: every county in the area shares it. New York-Newark-Jersey City, NY-NJ metropolitan area, US = 100
- Taxes on a retired couple
- Putnam County has no property-tax figure: the Census publishes no single median taxes paid or home value for it (too few sample cases, or a median beyond the end of its table).
- Healthcare access
- No hospital in the county rated 4 or 5 stars by CMS
- Safety
- Putnam County had fewer than 20 homicides in 2020–2024: CDC WONDER publishes no reliable rate below that.
- Climate
- 5.0 months a year More than 39 % of the other 3,143 US counties
- Natural-hazard risk
- USD $0.75 per USD $1,000 of buildings Lower than 94 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $5,806 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Brewster, Cold Spring, Nelsonville (Census, 1 July 2024).
Putnam County page → -
Queens County
2,358,182 residents, 434,401 aged 65 or older (18.4 %)
- Cost of living
- 112.6 Cheaper than 0 % of the other 3,142 US counties Its area's figure: every county in the area shares it. New York-Newark-Jersey City, NY-NJ metropolitan area, US = 100
- Taxes on a retired couple
- USD $3,045 Lower than 53 % of the other 3,110 US counties
- Healthcare access
- 1 hospital in the county rated 4 or 5 stars by CMS
- Safety
- 3.3 per 100,000 a year Lower than 87 % of the other 767 US counties
- Climate
- 5.0 months a year More than 39 % of the other 3,143 US counties
- Natural-hazard risk
- USD $0.78 per USD $1,000 of buildings Lower than 93 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $5,280 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest place: New York (Census, 1 July 2024).
Queens County page → -
Rensselaer County
160,510 residents, 32,036 aged 65 or older (20.0 %)
- Cost of living
- 99.6 Cheaper than 10 % of the other 3,142 US counties Its area's figure: every county in the area shares it. Albany-Schenectady-Troy, NY metropolitan area, US = 100
- Taxes on a retired couple
- USD $7,180 Lower than 3 % of the other 3,110 US counties
- Healthcare access
- No hospital in the county rated 4 or 5 stars by CMS
- Safety
- 4.6 per 100,000 a year Lower than 74 % of the other 767 US counties
- Climate
- 5.0 months a year More than 39 % of the other 3,143 US counties
- Natural-hazard risk
- USD $1.31 per USD $1,000 of buildings Lower than 51 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $5,170 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Troy, Rensselaer, Hoosick Falls (Census, 1 July 2024).
Rensselaer County page → -
Richmond County
501,290 residents, 96,794 aged 65 or older (19.3 %)
- Cost of living
- 112.6 Cheaper than 0 % of the other 3,142 US counties Its area's figure: every county in the area shares it. New York-Newark-Jersey City, NY-NJ metropolitan area, US = 100
- Taxes on a retired couple
- USD $3,237 Lower than 49 % of the other 3,110 US counties
- Healthcare access
- No hospital in the county rated 4 or 5 stars by CMS
- Safety
- 3.5 per 100,000 a year Lower than 85 % of the other 767 US counties
- Climate
- 5.0 months a year More than 39 % of the other 3,143 US counties
- Natural-hazard risk
- USD $0.68 per USD $1,000 of buildings Lower than 97 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $5,470 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest place: New York (Census, 1 July 2024).
Richmond County page → -
Rockland County
357,397 residents, 56,887 aged 65 or older (15.9 %)
- Cost of living
- 112.6 Cheaper than 0 % of the other 3,142 US counties Its area's figure: every county in the area shares it. New York-Newark-Jersey City, NY-NJ metropolitan area, US = 100
- Taxes on a retired couple
- Rockland County has no property-tax figure: the Census publishes no single median taxes paid or home value for it (too few sample cases, or a median beyond the end of its table).
- Healthcare access
- No hospital in the county rated 4 or 5 stars by CMS
- Safety
- 1.9 per 100,000 a year Lower than 96 % of the other 767 US counties
- Climate
- 5.0 months a year More than 39 % of the other 3,143 US counties
- Natural-hazard risk
- USD $0.78 per USD $1,000 of buildings Lower than 93 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $5,926 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Spring Valley, Haverstraw, Suffern (Census, 1 July 2024).
Rockland County page → -
St. Lawrence County
105,488 residents, 22,078 aged 65 or older (20.9 %)
- Cost of living
- 91.6 Cheaper than 34 % of the other 3,142 US counties Its area's figure: every county in the area shares it. New York nonmetropolitan portion, US = 100
- Taxes on a retired couple
- USD $8,166 Lower than 1 % of the other 3,110 US counties
- Healthcare access
- No hospital in the county rated 4 or 5 stars by CMS
- Safety
- St. Lawrence County had fewer than 20 homicides in 2020–2024: CDC WONDER publishes no reliable rate below that.
- Climate
- 5.0 months a year More than 39 % of the other 3,143 US counties
- Natural-hazard risk
- USD $1.06 per USD $1,000 of buildings Lower than 72 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $5,686 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Massena, Ogdensburg, Potsdam (Census, 1 July 2024).
St. Lawrence County page → -
Saratoga County
241,343 residents, 54,201 aged 65 or older (22.5 %)
- Cost of living
- 99.6 Cheaper than 10 % of the other 3,142 US counties Its area's figure: every county in the area shares it. Albany-Schenectady-Troy, NY metropolitan area, US = 100
- Taxes on a retired couple
- USD $4,895 Lower than 17 % of the other 3,110 US counties
- Healthcare access
- No hospital in the county rated 4 or 5 stars by CMS
- Safety
- Saratoga County had fewer than 20 homicides in 2020–2024: CDC WONDER publishes no reliable rate below that.
- Climate
- 5.0 months a year More than 39 % of the other 3,143 US counties
- Natural-hazard risk
- USD $0.82 per USD $1,000 of buildings Lower than 91 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $5,638 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Saratoga Springs, Mechanicville, Ballston Spa (Census, 1 July 2024).
Saratoga County page → -
Schenectady County
162,581 residents, 31,193 aged 65 or older (19.2 %)
- Cost of living
- 99.6 Cheaper than 10 % of the other 3,142 US counties Its area's figure: every county in the area shares it. Albany-Schenectady-Troy, NY metropolitan area, US = 100
- Taxes on a retired couple
- USD $8,268 Lower than 1 % of the other 3,110 US counties
- Healthcare access
- No hospital in the county rated 4 or 5 stars by CMS
- Safety
- 4.3 per 100,000 a year Lower than 78 % of the other 767 US counties
- Climate
- 5.0 months a year More than 39 % of the other 3,143 US counties
- Natural-hazard risk
- USD $0.95 per USD $1,000 of buildings Lower than 82 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $5,170 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Schenectady, Scotia, Delanson (Census, 1 July 2024).
Schenectady County page → -
Schoharie County
30,176 residents, 7,761 aged 65 or older (25.7 %)
- Cost of living
- 99.6 Cheaper than 10 % of the other 3,142 US counties Its area's figure: every county in the area shares it. Albany-Schenectady-Troy, NY metropolitan area, US = 100
- Taxes on a retired couple
- USD $7,116 Lower than 3 % of the other 3,110 US counties
- Healthcare access
- 1 hospital in the county rated 4 or 5 stars by CMS
- Safety
- Schoharie County had fewer than 20 homicides in 2020–2024: CDC WONDER publishes no reliable rate below that.
- Climate
- 4.0 months a year More than 7 % of the other 3,143 US counties
- Natural-hazard risk
- USD $1.37 per USD $1,000 of buildings Lower than 47 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $4,870 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Cobleskill, Middleburgh, Schoharie (Census, 1 July 2024).
Schoharie County page → -
Schuyler County
16,924 residents, 4,538 aged 65 or older (26.8 %)
- Cost of living
- 91.6 Cheaper than 34 % of the other 3,142 US counties Its area's figure: every county in the area shares it. New York nonmetropolitan portion, US = 100
- Taxes on a retired couple
- USD $6,906 Lower than 4 % of the other 3,110 US counties
- Healthcare access
- No hospital in the county rated 4 or 5 stars by CMS
- Safety
- Schuyler County had fewer than 20 homicides in 2020–2024: CDC WONDER publishes no reliable rate below that.
- Climate
- 5.0 months a year More than 39 % of the other 3,143 US counties
- Natural-hazard risk
- USD $1.04 per USD $1,000 of buildings Lower than 75 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $6,298 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Watkins Glen, Montour Falls, Odessa (Census, 1 July 2024).
Schuyler County page → -
Seneca County
32,883 residents, 7,738 aged 65 or older (23.5 %)
- Cost of living
- 91.6 Cheaper than 34 % of the other 3,142 US counties Its area's figure: every county in the area shares it. New York nonmetropolitan portion, US = 100
- Taxes on a retired couple
- USD $7,664 Lower than 2 % of the other 3,110 US counties
- Healthcare access
- No hospital in the county rated 4 or 5 stars by CMS
- Safety
- Seneca County had fewer than 20 homicides in 2020–2024: CDC WONDER publishes no reliable rate below that.
- Climate
- 5.0 months a year More than 39 % of the other 3,143 US counties
- Natural-hazard risk
- USD $0.97 per USD $1,000 of buildings Lower than 80 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $5,878 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Waterloo, Interlaken, Ovid (Census, 1 July 2024).
Seneca County page → -
Steuben County
91,855 residents, 21,147 aged 65 or older (23.0 %)
- Cost of living
- 91.6 Cheaper than 34 % of the other 3,142 US counties Its area's figure: every county in the area shares it. New York nonmetropolitan portion, US = 100
- Taxes on a retired couple
- USD $8,594 Lower than 0 % of the other 3,110 US counties
- Healthcare access
- No hospital in the county rated 4 or 5 stars by CMS
- Safety
- Steuben County had fewer than 20 homicides in 2020–2024: CDC WONDER publishes no reliable rate below that.
- Climate
- 5.0 months a year More than 39 % of the other 3,143 US counties
- Natural-hazard risk
- USD $1.28 per USD $1,000 of buildings Lower than 53 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $6,166 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Corning, Hornell, Bath (Census, 1 July 2024).
Steuben County page → -
Suffolk County
1,546,090 residents, 310,245 aged 65 or older (20.1 %)
- Cost of living
- 112.6 Cheaper than 0 % of the other 3,142 US counties Its area's figure: every county in the area shares it. New York-Newark-Jersey City, NY-NJ metropolitan area, US = 100
- Taxes on a retired couple
- Suffolk County has no property-tax figure: the Census publishes no single median taxes paid or home value for it (too few sample cases, or a median beyond the end of its table).
- Healthcare access
- 7 hospitals in the county rated 4 or 5 stars by CMS
- Safety
- 2.4 per 100,000 a year Lower than 94 % of the other 767 US counties
- Climate
- 4.0 months a year More than 7 % of the other 3,143 US counties
- Natural-hazard risk
- USD $0.71 per USD $1,000 of buildings Lower than 96 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $6,070 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Lindenhurst, Patchogue, Babylon (Census, 1 July 2024).
Suffolk County page → -
Sullivan County
80,586 residents, 16,676 aged 65 or older (20.7 %)
- Cost of living
- 91.6 Cheaper than 34 % of the other 3,142 US counties Its area's figure: every county in the area shares it. New York nonmetropolitan portion, US = 100
- Taxes on a retired couple
- USD $6,985 Lower than 3 % of the other 3,110 US counties
- Healthcare access
- No hospital in the county rated 4 or 5 stars by CMS
- Safety
- Sullivan County had fewer than 20 homicides in 2020–2024: CDC WONDER publishes no reliable rate below that.
- Climate
- 5.0 months a year More than 39 % of the other 3,143 US counties
- Natural-hazard risk
- USD $1.06 per USD $1,000 of buildings Lower than 72 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $5,638 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Monticello, Liberty, Wurtsboro (Census, 1 July 2024).
Sullivan County page → -
Tioga County
47,453 residents, 11,400 aged 65 or older (24.0 %)
- Cost of living
- 92.9 Cheaper than 28 % of the other 3,142 US counties Its area's figure: every county in the area shares it. Binghamton, NY metropolitan area, US = 100
- Taxes on a retired couple
- USD $8,164 Lower than 1 % of the other 3,110 US counties
- Healthcare access
- No hospital in the county rated 4 or 5 stars by CMS
- Safety
- Tioga County had fewer than 20 homicides in 2020–2024: CDC WONDER publishes no reliable rate below that.
- Climate
- 5.0 months a year More than 39 % of the other 3,143 US counties
- Natural-hazard risk
- USD $1.66 per USD $1,000 of buildings Lower than 30 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $6,166 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Waverly, Owego, Newark Valley (Census, 1 July 2024).
Tioga County page → -
Tompkins County
104,047 residents, 18,307 aged 65 or older (17.6 %)
- Cost of living
- 103.3 Cheaper than 5 % of the other 3,142 US counties Ithaca, NY metropolitan area, US = 100
- Taxes on a retired couple
- USD $7,839 Lower than 1 % of the other 3,110 US counties
- Healthcare access
- No hospital in the county rated 4 or 5 stars by CMS
- Safety
- Tompkins County had fewer than 20 homicides in 2020–2024: CDC WONDER publishes no reliable rate below that.
- Climate
- 5.0 months a year More than 39 % of the other 3,143 US counties
- Natural-hazard risk
- USD $1.38 per USD $1,000 of buildings Lower than 46 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $6,166 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Ithaca, Cayuga Heights, Lansing (Census, 1 July 2024).
Tompkins County page → -
Ulster County
183,330 residents, 42,991 aged 65 or older (23.5 %)
- Cost of living
- 100.7 Cheaper than 8 % of the other 3,142 US counties Kingston, NY metropolitan area, US = 100
- Taxes on a retired couple
- USD $6,194 Lower than 6 % of the other 3,110 US counties
- Healthcare access
- No hospital in the county rated 4 or 5 stars by CMS
- Safety
- Ulster County had fewer than 20 homicides in 2020–2024: CDC WONDER publishes no reliable rate below that.
- Climate
- 5.0 months a year More than 39 % of the other 3,143 US counties
- Natural-hazard risk
- USD $1.05 per USD $1,000 of buildings Lower than 73 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $5,806 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Kingston, New Paltz, Ellenville (Census, 1 July 2024).
Ulster County page → -
Warren County
65,020 residents, 17,753 aged 65 or older (27.3 %)
- Cost of living
- 94.9 Cheaper than 23 % of the other 3,142 US counties Its area's figure: every county in the area shares it. Glens Falls, NY metropolitan area, US = 100
- Taxes on a retired couple
- USD $5,152 Lower than 14 % of the other 3,110 US counties
- Healthcare access
- No hospital in the county rated 4 or 5 stars by CMS
- Safety
- Warren County had fewer than 20 homicides in 2020–2024: CDC WONDER publishes no reliable rate below that.
- Climate
- 4.0 months a year More than 7 % of the other 3,143 US counties
- Natural-hazard risk
- USD $0.99 per USD $1,000 of buildings Lower than 79 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $5,806 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Glens Falls, Lake George (Census, 1 July 2024).
Warren County page → -
Washington County
59,353 residents, 14,025 aged 65 or older (23.6 %)
- Cost of living
- 94.9 Cheaper than 23 % of the other 3,142 US counties Its area's figure: every county in the area shares it. Glens Falls, NY metropolitan area, US = 100
- Taxes on a retired couple
- USD $7,039 Lower than 3 % of the other 3,110 US counties
- Healthcare access
- No hospital in the county rated 4 or 5 stars by CMS
- Safety
- Washington County had fewer than 20 homicides in 2020–2024: CDC WONDER publishes no reliable rate below that.
- Climate
- 5.0 months a year More than 39 % of the other 3,143 US counties
- Natural-hazard risk
- USD $1.12 per USD $1,000 of buildings Lower than 67 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $5,806 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Hudson Falls, Fort Edward, Whitehall (Census, 1 July 2024).
Washington County page → -
Wayne County
91,250 residents, 21,206 aged 65 or older (23.2 %)
- Cost of living
- 97.0 Cheaper than 17 % of the other 3,142 US counties Its area's figure: every county in the area shares it. Rochester, NY metropolitan area, US = 100
- Taxes on a retired couple
- USD $8,750 Lower than 0 % of the other 3,110 US counties
- Healthcare access
- No hospital in the county rated 4 or 5 stars by CMS
- Safety
- Wayne County had fewer than 20 homicides in 2020–2024: CDC WONDER publishes no reliable rate below that.
- Climate
- 4.0 months a year More than 7 % of the other 3,143 US counties
- Natural-hazard risk
- USD $0.80 per USD $1,000 of buildings Lower than 92 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $8,071 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Newark, Palmyra, Clyde (Census, 1 July 2024).
Wayne County page → -
Westchester County
1,015,743 residents, 199,785 aged 65 or older (19.7 %)
- Cost of living
- 112.6 Cheaper than 0 % of the other 3,142 US counties Its area's figure: every county in the area shares it. New York-Newark-Jersey City, NY-NJ metropolitan area, US = 100
- Taxes on a retired couple
- Westchester County has no property-tax figure: the Census publishes no single median taxes paid or home value for it (too few sample cases, or a median beyond the end of its table).
- Healthcare access
- 5 hospitals in the county rated 4 or 5 stars by CMS
- Safety
- 2.3 per 100,000 a year Lower than 94 % of the other 767 US counties
- Climate
- 5.0 months a year More than 39 % of the other 3,143 US counties
- Natural-hazard risk
- USD $0.82 per USD $1,000 of buildings Lower than 91 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $5,944 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Yonkers, New Rochelle, Mount Vernon (Census, 1 July 2024).
Westchester County page → -
Wyoming County
39,741 residents, 9,044 aged 65 or older (22.8 %)
- Cost of living
- 91.6 Cheaper than 34 % of the other 3,142 US counties Its area's figure: every county in the area shares it. New York nonmetropolitan portion, US = 100
- Taxes on a retired couple
- USD $7,871 Lower than 1 % of the other 3,110 US counties
- Healthcare access
- No hospital in the county rated 4 or 5 stars by CMS
- Safety
- Wyoming County had fewer than 20 homicides in 2020–2024: CDC WONDER publishes no reliable rate below that.
- Climate
- 5.0 months a year More than 39 % of the other 3,143 US counties
- Natural-hazard risk
- USD $1.30 per USD $1,000 of buildings Lower than 52 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $5,950 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Warsaw, Perry, Attica (Census, 1 July 2024).
Wyoming County page → -
Yates County
24,547 residents, 6,145 aged 65 or older (25.0 %)
- Cost of living
- 91.6 Cheaper than 34 % of the other 3,142 US counties Its area's figure: every county in the area shares it. New York nonmetropolitan portion, US = 100
- Taxes on a retired couple
- USD $6,589 Lower than 5 % of the other 3,110 US counties
- Healthcare access
- No hospital in the county rated 4 or 5 stars by CMS
- Safety
- Yates County had fewer than 20 homicides in 2020–2024: CDC WONDER publishes no reliable rate below that.
- Climate
- 5.0 months a year More than 39 % of the other 3,143 US counties
- Natural-hazard risk
- USD $1.35 per USD $1,000 of buildings Lower than 48 % of the other 3,143 US counties
- Medicare premiums
- Advantage USD $7,025 · Original + drug plan USD $8,933 a year for two Typical plans; premiums only, not the cost of care
Largest places: Penn Yan, Dundee, Rushville (Census, 1 July 2024).
Yates County page →
Sources: US Census Bureau, county population estimates by age, 1 July 2025; BEA Regional Price Parities 2024, all items, of each county's metropolitan area or its state's nonmetropolitan portion; The state's published 2025 income-tax rules, the county's own local income tax where one is levied, and the county's Census ACS property-tax ratio, applied to the example household; CMS, Hospital General Information (Care Compare), hospital overall star rating, release of 13 Aug 2026; CDC WONDER, Underlying Cause of Death 2018-2024 (Single Race, final), by county of residence; CHELSA V2.1 monthly maximum temperature, 1981-2010 (~1 km), averaged over the county, Karger et al.; FEMA, National Risk Index v1.20 (December 2025), county expected annual loss to buildings (EAL_VALB); CMS, Medicare Advantage and Part D Landscape, plan year 2027; CMS, 2026 Medicare Parts A & B Premiums and Deductibles (fact sheet, 14 Nov 2025).
Where New York stands, on the six criteria
New York's six figures are the ones that set its place on the state ranking, where it sits in Tier 8 of 16. Each is measured for the whole of New York, not for any single place within it.
| Criterion | New York |
|---|---|
| Cost of living BEA price level, all items (US = 100); lower is better |
107.9 Cheaper than 8% of the other 50 · housing 122.2 · goods 107.3 · utilities 134.4 · other services 104.1
BEA Regional Price Parities by state, 2024 (SARPP, line codes 1-5) · figure for 2024 · checked 2026-08-28
|
| Taxes on a retired couple state and local tax on the example retired couple, USD a year; lower is better |
USD $5,436 (90% margin USD $5,409–$5,463) Lower than 14% of the other 50
Each state's published 2025 income-tax rules and the Census ACS property-tax ratio, applied to the example household · figure for 2025
|
| Healthcare access share of residents 65+ living in a county with a 4- or 5-star CMS hospital; higher is better |
66 % of residents 65+ Higher than 58% of the other 50
CMS, Hospital General Information (Care Compare), hospital overall star rating, release of 13 Aug 2026, weighted by each county's population 65+ (US Census Bureau, 1 July 2025) · figure for 2026 · checked 2026-10-27
|
| Safety homicides per 100,000 a year, 2020–2024, by state of residence; lower is better |
4.2 per 100,000 a year (95% interval 4.0–4.3) Lower than 70% of the other 50
CDC WONDER, Underlying Cause of Death 2018-2024 (Single Race, final), by state of residence · figure for 2024 · checked 2026-10-27
|
| Climate months a year whose mean daily high is 18–29 °C (64–84 °F), 1981–2010; more is better |
4.7 months a year More than 46% of the other 50
CHELSA V2.1 monthly maximum temperature, 1981-2010 (~1 km), averaged over the county, Karger et al., weighted by each county's population 65+ (US Census Bureau, 1 July 2025) · figure for 2010 · checked 2026-10-27
|
| Natural-hazard risk expected yearly loss to buildings from natural hazards, per USD $1,000 of buildings; lower is better |
USD $0.88 per USD $1,000 of buildings Lower than 94% of the other 50
FEMA, National Risk Index v1.20 (December 2025), state expected annual loss to buildings (EAL_VALB) · figure for 2025 · checked 2026-10-27
|
Medicare in New York
For the published example couple, both 67 and married: what Medicare premiums cost a year for two in New York, and the most a bad year can cost. What care itself costs depends on a person's health, so it is not estimated here.
Medicare Advantage, with drug coverage
USD $5,375 a year for two in premiums (from USD $4,870)
At most USD $24,980 in a bad year (from USD $23,370), with each person's in-network out-of-pocket maximum
The middle of the 24 plans offered here; "from" is the lowest premium among them.
Original Medicare, with a drug plan
USD $8,933 a year for two in premiums (from USD $5,765)
Medigap: no federal price list — not in this total.
No yearly maximum on Original Medicare alone.
Part B for two, plus the middle of the 9 standalone drug plans offered in the state.
The middle of New York's 62 counties, weighted by residents 65 or older (US Census Bureau, 1 July 2025).
The 2027 Part B premium is not yet published (CMS usually publishes it in November); 2026's is used.
Source: CMS, Medicare Advantage and Part D Landscape, plan year 2027; CMS, 2026 Medicare Parts A & B Premiums and Deductibles (fact sheet, 14 Nov 2025).
New York requires Medigap insurers to accept applications at any time of year, without denying coverage or varying premiums because of health status, though a policy may impose up to a six-month waiting period for pre-existing conditions. New York's rule
Free, official Medicare counseling in New York: Health Insurance Information, Counseling and Assistance (HIICAP), 1-800-701-0501 (the State Health Insurance Assistance Program).
Retiring to New York: pros and cons, by the figures
Retiring to New York, judged on the six figures above: a pro is a figure in the top fifth of the states, a con one in the bottom fifth. Figures in between get no verdict.
Pros
- Natural-hazard risk: lower than 94% of the other 50 (USD $0.88 per USD $1,000 of buildings). FEMA, National Risk Index v1.20 (December 2025), state expected annual loss to buildings (EAL_VALB)
Cons
- Cost of living: dearer than 92% of the other 50 (107.9). BEA Regional Price Parities by state, 2024 (SARPP, line codes 1-5)
- Taxes on a retired couple: higher than 86% of the other 50 (USD $5,436). Each state's published 2025 income-tax rules and the Census ACS property-tax ratio, applied to the example household
Also shown, not scored
New York's other state-wide figures: shown for context, not part of its tier. Measured for the whole of New York — not for any single place within it.
| Measure | Value |
|---|---|
|
Population
Total resident population, US Census Bureau estimate for 1 July 2025.
How this is measuredTotal resident population, Census Bureau estimate as of 1 July 2025, as reported in SSA's Table 1. Bigger is not better — this axis exists for context, never for ranking. |
20,002,427 people |
|
Population 65 plus
Residents aged 65 or older, US Census Bureau estimate for 1 July 2025.
How this is measuredResident population aged 65 or older, Census Bureau estimate as of 1 July 2025, as reported in SSA's Table 1. |
3,860,551 people |
|
Social security beneficiary share
Everyone receiving Social Security — retired, disabled, survivors and dependants — as a share of the population, 2025.
How this is measuredAll OASDI beneficiaries — retired workers, disabled workers, survivors and dependants — as a percentage of the total resident population. SSA Table 1 (2025), population as of 1 July 2025. Not the same measure as the county-level retired-worker share. |
19.6 percent |
Source for every figure: SSA Table 1 (2025) · Census population as of 1 July 2025 · figure for 2025 · checked 2026-08-28 Official source
Taxes on a retired couple in New York
We apply New York's published rules for tax year 2025 to one example household and show the sum, line by line. These are rules already in force for 2025, not a projection.
The example household
| Filing status | married filing jointly, both aged 67 |
|---|---|
| Social Security | USD $45,000 a year, combined |
| Private pension | USD $25,000 a year |
| IRA or 401(k) withdrawal | USD $20,000 a year |
| Home, for property tax | USD $350,000 |
An illustrative household, the same for every state so states can be compared. Each spouse holds half of each income. Your own figures will differ.
New York's rules applied
Federal income tax is left out: it is the same in every state, so it cannot separate them. Sales tax is left out too: it depends on what a household buys, and no state publishes an average of its local rates. The rate is listed below.
The rules behind the sum
- Top income-tax rate: 10.9 % New York State Department of Taxation and Finance, 2025 Instructions for Form IT-201, tax rate schedule · checked Oct 26, 2026
- Taxable Social Security subtracted: 100 % of it New York State Department of Taxation and Finance: Information for retired persons · checked Oct 26, 2026
- Pension and annuity income exclusion, 59 1/2 or older (IT-201 line 29): USD $20,000 per person, from age 60 New York State Department of Taxation and Finance, 2025 Instructions for Form IT-201, line 29 · checked Oct 26, 2026
- Standard deduction, married filing joint return: USD $16,050 New York State Department of Taxation and Finance, 2025 Instructions for Form IT-201, line 34 · checked Oct 26, 2026
- State sales tax 4 %, plus city, county or school district rates: 4 % New York State Department of Taxation and Finance: Sales and use tax rates · checked Oct 26, 2026
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