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If you wish to retire somewhere that offers a healthy mix between city and suburban life, New York may be a great choice. It’s very easy to get around by foot in New York City, so you don’t need to worry about the hassles of driving and parking. If you do prefer to get around by car and skip the hustle and bustle, then you may fancy suburban living in the state more. Either way, it’s on the pricey side to live in New York — so cost of living is something to consider. However, there’s a lot to appreciate about The Empire State if you have the extra funds to retire here.
Contrary to what some might think, New York has a whole lot more to offer than just its metropolitan area which many rave about and focus on. In fact, Upstate New York is home to many beautiful mountains, lakes, forests, and other terrains for outdoorsy people to explore. For example, Ithaca is a beautiful region for nature lovers because it is known for its breathtaking scenery. Here, visitors and residents can enjoy kayaking, yachting, and more.
New York’s four distinct seasons allow its citizens to truly enjoy different recreational activities with every seasonal change. Winters are cold and snowy, while summers can get hot. You may experience some light rains in the spring and beautiful fall foliage. On average, the most comfortable temperatures here are in July, August, and September. The average high temperature throughout the year is 62 degrees Fahrenheit, while the annual low average is 48 degrees. So, compared to other states like Florida and Arizona where it can get extra humid and hot, New York’s climate is actually pretty temperate.
Considering retirement in New York? You may want to get familiar with the state’s senior living costs, benefits, and facilities first. To help make your search more efficient, we have compiled the essentials about The Empire State’s senior living options, as well as the different amenities and support systems that each has to offer here. If you already have an idea of which city you’d like to retire in, then you can browse the closest living options available in that city in the chart below.
Save some time on your information search by using the quick links below, which will take you directly to any section to find specifics on that given topic.
It can be very time consuming and energy draining when it comes time to finding the best living facility for yourself or an aging loved one. There are so many senior living communities to consider in The Empire State. Narrow down your options by reviewing our list of the state’s top senior living communities below.
With a housing index of 121.80, there is no doubt that New York is one of the more expensive places to retire in the country. However, those who can afford it may find it a perfect retirement destination filled with beautiful scenery and rich culture. For reference, a one bedroom apartment in New York averages out to a monthly rent fee of $1,119, while the U.S. average for a similar one bedroom apartment goes for $825 a month. Two bedroom apartments are more expensive, averaging out to $1,329 a month, compared to the national average of $1,027 a month in rent. New York City is one of the top-rated places to retire in the state, although it will be most expensive. Other retirement-friendly cities include Buffalo and Syracuse.
Before committing to retirement here, you may be looking to get a better feel for what the monthly senior costs of living in New York is like. Let’s take a look at some numbers!
First and foremost, seniors who are healthy enough to live at home independently may take need home health care services depending on whether they have a caregiver at home to help with daily chores. Home health care services basically enable older people to live comfortably in their own residences while service aides help with housekeeping duties, completing everyday errands, and meal prep, for example. It costs on average $4,290 a month to take advantage of homemaker services in New York.
Seniors who require a little more personal and health care aside from just everyday chores may consider hiring a home health aide. Home health aides in New York cost an average of $4,528 a month.
Adult day care centers are available throughout the state of New York to provide seniors with a supervised facility to stay during the day. It costs around $1,733 a month to stay at an adult day care facility in The Empire State. Since adult day care does not include extensive nursing care, it is ideal for older people who are pretty healthy and independent, but could use some therapy and socialization during the day while their caregivers are busy tending to their other obligations.
New York also has plenty of assisted living facilities to serve elders requiring more help with their everyday tasks. It costs an average of $3,988 a month to stay at an assisted living facility in this state. The level of care provided at assisted living facilities is not as extensive as that of nursing homes, but is an intermediate form of long-term care. Seniors who have been living independently but no longer can do so may transition into assisted living before going into a nursing home.
Finally, nursing homes are designed for seniors who require round the clock care and supervision. It is the most costly form of care in all states, but especially so in New York. For a semi-private room, you can expect to pay $11,076 a month. If you want a fully private room, it is an average cost of $11,701 a month. Skilled staff in nursing homes work hard to provide residents with proper housing, both personal and extensive nursing care, along with supervision, medications, therapies, and rehabilitation as necessary.
Despite the higher costs of living compared to other states in the U.S., there are many great perks to retiring in New York. Below are just some benefits of living in The Empire State:
There are generally two types of people in the United States. Those who prefer a mostly unchanged climate for the entire year, and those who prefer to experience the four seasons. For those who prefer the latter, then New York is one of the finest states to live in. Nothing denotes the passage of time like the changing colors of the falling leaves, the snow covered trees and fields, blossoming flowers and wildlife offspring in the spring, and the long sunny days of summer. New York has all of that in spades.
New York has an incredible amount of things to do and see. Everyone knows of New York City and its prime attractions like the Statue of Liberty, the hustle and bustle of Times Square, and the expansive Central Park. But New York state has lots to offer as well, such as the massive Niagara Falls, Letchworth State Park with its smaller but gorgeous three waterfalls, the Adirondacks with its rolling hills covered in trees, and the beautiful campus grounds of Cornell. From Nassau to Westchester County, there is something to do for everyone in the state of New York.
New York is a relatively tax-friendly state to live in for seniors. For one, seniors will not have any taxes on their social security income. Public pensions are also not taxed. However, private pensions and withdrawals from retirement accounts are partially taxed, and the marginal state tax rate is 5.9%. Keep in mind though, that New York does have several programs to help seniors age in place at their own homes for as long as possible, such as the Senior Citizens Homeowners’ Exemption and Senior Citizens Rent Increase Exemption programs. So while taxes may not be 0% here, some of the other living costs are subsidized.
As far as New York City is concerned, seniors will find absolutely any kind of food they could want. With all the diverse ethnicities found in the Tri State Area, and with it being the city that attracts a lot of the top talent from not just the nation but from around the world, seniors could practically go on a culinary world tour within the city alone. There are entire neighborhoods dedicated to specific ethnic groups, where retirees could spend weeks at each one exploring all the food options. As for upstate New York, not so much. Retirees in that area will want to venture into the Big Apple for the real culinary delights.
The senior living options in New York are ample. Depending on individual circumstances and needs, retirees can opt for independent living, assisted living, memory care, or nursing home care. Find out more information about each option below to determine which one suits your lifestyle best.
New York is home to more than 440 independent living facilities statewide. Seniors who are healthy, active, and do not require round the clock nursing care will typically find themselves most comfortable living independently in their own residences, and sometimes with a caregiver. Independent living costs in The Empire State can range anywhere from $669 to $5,727 a month.
There are several forms of independent living. The most common one is apartment living. Seniors in The Empire State who choose apartment living basically would live in a 55+ or 65+ community, which often include attractive amenities like small gyms, pools and jacuzzis, dog parks, and walking trails, for example. Some active senior communities also include useful services like transportation for the elderly needing to get around.
If you would rather buy a property rather than rent an apartment, then you can consider buying a condo, townhome, mobile home, or single-family home in New York. The median home value in the state is $307,800. Home values here have gone up over the years and are expected to continue hiking up, so it may be a worthwhile investment to buy a place if you can afford it. It could end up as an investment property that your kids or grandkids could take over after your final years!
More than 610 assisted living facilities exist throughout New York. Aging adults who need access to health care and social activities to thrive will want to consider staying at an assisted living facility. Attentive caregivers and staff members work hard to help the elderly residents with laundry, meal services, transportation, and housekeeping duties. These facilities are also monitored 24/7 for safety.
It can cost anywhere from $1,217 to $10,413 a month to stay at an assisted living facility in New York. As you might guess, New York City is the most expensive place to live. If you are looking to stretch your retirement funds a bit, then you may want to consider looking in the Staten Island area where assisted living costs are lower.
Dementia has been a growing concern, affecting more seniors in recent years and no signs of slowing down in the coming years. Memory care helps seniors with memory loss ailments, by providing staff who are experienced with handling dementia in a calming manner. Memory care facilities are also designed to be easy to navigate, with 24/7 monitoring to ensure a senior does not wander off and receives immediate medical attention when needed.
There are 400+ memory care facilities in New York with an average cost of $64,097 a year, with monthly costs ranging from $1,764 to $15,098. Ithaca turned up as the city with the highest average costs for memory care, coming out to a near national high of $152,262 a year. Staten Island had the lowest average costs for the state, at $58,410 a year.
New York’s senior population is currently 15.4% of the overall population. Thanks to New York City’s huge and dense population, the state has been very proactive on making life easier and more accommodating to the growing senior population. Some of the programs to help seniors is to automatically enroll them in rent increase exemptions and homeowner exemptions so that more seniors can afford to live at home. If a senior doesn’t qualify for these exemptions, or needs a greater level of care, then New York has over 1,400 senior care providers, with several nursing home options.
Seniors who live with busy families in New York will benefit greatly from an adult day care. Adult day care is a place for seniors to go to in the day, while their primary caregiver goes to their job or tends to their other responsibilities. Seniors will receive nutritious meals, assistance with day to day tasks, and help with medications and any physical ailments. From a social aspect, adult day care can do wonders for seniors, allowing them to make new friendships and feel a part of a group. Adult day care is typically Monday through Friday, during the hours that most people spend at work.
The average cost of the 200+ adult day care centers is $19,500 a year. Manhattan tends to have the highest adult day care costs, coming in at $49,400 a year. Elmira is more affordable, with an average cost of just $10,920 a year. Generally speaking, insurances do not cover the cost of adult day care. There may be other costs associated with adult day care, such as extra amenities and care options that can be paid for a la carte as needed.
Hospice care provides specific care from several angles for terminally ill seniors. Chaplain services are often utilized as part of hospice care for spiritual support, grief counseling for emotional support, and medications for relief from physical pain.
In New York, Hospice care is provided nearly free of charge through hospice benefits of Medicaid or Medicare, whichever one the senior qualifies for. Staff will help with any paperwork necessary to qualify for the hospice benefit.
For the families caring for an elderly loved one, respite care can be a huge help and prevent burnouts. Respite care provides a professional caregiver to offload the duties from a primary caregiver so that they can take a break. Respite care is also especially helpful after surgeries when a senior may need a higher level of care than a family member can provide. Another big advantage of respite care is that it can be set for any amount of time. It can be set up to recur weekly or monthly, or to be just a one time thing. It can also be for entire months at a dedicated respite care facility, with no set end time.
Respite care can vary tremendously in costs, with a low of $6,525 up to $26,666 a month. The state average is $124,100 per year, between the 500+ respite care facilities in New York. Manhattan tends to have the highest average costs, while upstate New York towns like Rochester and Syracuse are on the lower end of costs.
New York Office of Aging – This resource is designed to assist older New Yorkers to be as independent as possible for as long as possible. Find useful information, programs, and services which support and empower older adults and their families in this state here.
Information for Retired Persons – Here, you’ll find essential tax information for retirees in New York.
Senior Citizens Exemptions – Older New Yorkers may be eligible for some tax exemptions. Find out if you qualify and how you can apply to receive benefits here.
New York State Department of Health – Learn about the Elderly Pharmaceutical Insurance Coverage Program, which helps more than 320,000 income-eligible seniors who are 65+ in age to supplement their out-of-pocket Medicare costs. This program has two plans based on income. See if you qualify for any and how you can apply for it here.
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