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Though it's somewhat vaguely defined and often considered to encompass any area outside of New York City, Upstate New York is primarily located north and northwest of the Big Apple. For those who can tolerate its winters, this region is undeniably one of the best places for retirement. It boasts stunning natural beauty and offers a wealth of outdoor adventures, making it an appealing choice for any retiree. Additionally, several towns in this area feature home prices that are significantly lower than those in New York City. We will explore 9 towns in Upstate New York that are ideal for seniors, ranging from Binghamton to Saugerties.

Binghamton

Seniors seeking a city-like experience on a smaller scale, with all necessary amenities, will find Binghamton an appealing choice. This vibrant town, situated in south-central New York at the confluence of the Chenango and Susquehanna rivers, offers ample shopping options and medical facilities. Notable healthcare institutions include UHS Binghamton General Hospital and Our Lady Of Lourdes Memorial Hospital, the latter of which has been recognized by Healthgrades with America鈥檚 100 Best Hospitals for Joint Replacement Award. According to Niche.com, seniors aged 55 and above make up approximately 30% of the town's population, suggesting plentiful opportunities for connecting with other retirees. For those interested in lifelong learning, the town is home to SUNY Binghamton University, considered one of the best public universities in the Northeast.

Saratoga Springs

Located about 188 miles directly north of the Big Apple, Saratoga Springs is an ideal destination for outdoor enthusiasts, thanks to its proximity to the Adirondacks. This setting offers a plethora of outdoor activities. Perfect for active seniors, the town, with its population of around 28,100, is small yet lively, and it boasts a range of desirable amenities, including shops, restaurants, and hospitals. Saratoga Hospital, for example, which is recommended by approximately 75% of its patients, has earned the Outstanding Patient Experience Award. The town鈥檚 median age is around 42 years, striking a balance between youth and maturity. Additionally, residents with a master鈥檚 degree or higher represent a notable 29% of the population, ensuring an intellectually stimulating environment.

Glens Falls

Consider Glens Falls a smaller, quainter, and more affordable alternative to its well-known southern neighbor, Saratoga Springs. Glens Falls offers a suburban atmosphere, with seniors aged 55 and above making up 28% of the town's population. Its proximity to the Adirondacks and numerous lakes, including Lake George just 11 miles away, makes this town a haven for nature enthusiasts. While Glens Falls may not be a shopping hub like Saratoga Springs, which is only 18 miles away and offers a variety of shopping options, it still holds its charm. The medical facilities in and around Saratoga Springs are also conveniently accessible. For those concerned about safety, Glens Falls has been ranked as the safest city in the country for two consecutive years by Rocket Mortgage.

Watertown

Watertown's appeal lies in its small-town ambiance and relaxed pace of life, coupled with its relative affordability. For instance, while the median home price in New York state is $649,000 according to Bankrate, Watertown boasted a much more affordable median home price of $179,000 in December 2023, as reported by Realtor.com. The town is well-equipped with restaurants and shopping areas, ensuring that retirees won't have to travel far for daily necessities. The proximity to Fort Drum makes it an attractive location for veterans seeking a military community. Medical facilities like Samaritan Medical Center are within the town, with additional hospitals within an hour's drive. Furthermore, with 25% of the town's population being seniors aged 55 and above, there are ample opportunities for socializing with peers.

Oswego

Oswego, home to SUNY Oswego, is an ideal town for those interested in lifelong learning programs, which have been shown to enhance quality of life and overall wellness. Beyond academics, the town's culinary scene spans a variety of cuisines, including waterfront dining options like Rudy's Lakeside Drive-In, perfect for occasional Saturday brunches. For outdoor enthusiasts, the Rice Creek Field Station offers excellent hiking and biking opportunities. While Oswego Hospital serves the local healthcare needs, Syracuse, located just 40 miles away, provides access to a broader range of medical facilities. Additionally, Oswego's location on Lake Ontario means residents can easily enjoy water-based activities and scenic views.

Saranac Lake

Saranac Lake is an ideal destination for those seeking a small, quaint mountain town for retirement. The town is immersed in natural beauty, notably highlighted by Lake Flower, a glistening body of water situated right in downtown Saranac Lake. Just eight miles away is Lake Placid, famous for hosting two Winter Olympics. Beyond its enchanting beauty, Saranac Lake is known for its highly-regarded medical facility, the Adirondack Medical Center. This hospital is recommended by an impressive 82% of its patients and has earned recognition for the Outstanding Patient Experience Award. The town also boasts appealing amenities, including a vibrant farmers market held every Saturday, numerous local breweries, and a thriving music scene. Additionally, seniors aged 55 and above constitute 33% of the town鈥檚 population, creating a strong community for retirees.

Cooperstown

Cooperstown, nestled on the shores of the stunning Otsego Lake, is a paradise for nature enthusiasts. The lake's crystal clear waters offer a myriad of outdoor activities, and the town is located in the foothills of the Catskill Mountains, presenting some of the most breathtaking views in the state. Frequently listed among the best places to live in New York, Cooperstown has been ranked as the 16th safest city in the nation by CCTV Camera 海角社区. According to Niche.com, a significant 42% of the town鈥檚 population is seniors aged 55 and above, suggesting a robust support network for the elderly and plenty of opportunities for shared reminiscences. Furthermore, an impressive 40% of the residents hold at least a master鈥檚 degree, indicating a community that is both witty and well-informed. For healthcare needs, while Bassett Medical Center is a local option, additional medical facilities, such as O'Connor Hospital 鈥� recommended by 84% of its patients 鈥� are within an hour鈥檚 drive.

Canandaigua

This underrated gem in New York is a mere 27 miles, or about a half-hour drive, from Rochester. Those concerned about access to big-city amenities, including a wide range of excellent medical facilities, can rest easy. Notable hospitals such as Highland and Strong Memorial in Rochester rank among the region's finest. According to Niche.com, seniors aged 55 and above represent 33% of Canandaigua鈥檚 population, suggesting a strong community of retirees with whom you can reminisce about the heydays of ABBA, Michael Jackson, or The Beatles. Canandaigua Lake offers serene early-morning paddling, while Kershaw Park is an idyllic spot for a stroll or family picnic.

Saugerties

Concluding our list is Saugerties, a cozy town with a rich history situated on the west bank of the Hudson River, about 110 miles north of New York City. Visitors are welcomed by the sign, 鈥淔riendly, Historic Saugerties Welcomes You,鈥� a testament to the town's inviting nature. Nestled between the Hudson River and the Overlook Mountains, Saugerties offers abundant opportunities for outdoor activities. Seniors make up 38% of the population (as per Niche.com), ensuring a vibrant social environment. Numerous hospitals, including the highly recommended Fairview Hospital in Great Barrington, Massachusetts, are within an hour's drive. The Village Diner and similar local establishments provide a welcoming atmosphere for dining and socializing.

The Takeaway

For those seeking retirement in a location surrounded by lush farms, stunning mountains, yet still close to urban amenities and top-notch medical facilities, Upstate New York is an ideal choice. The region offers picturesque lakes, hiking trails, university campuses, and a community of similarly-aged residents for social interaction. While Binghamton, Saratoga Springs, Glens Falls, and Watertown stand out as excellent retirement destinations, the nine towns highlighted here offer a variety of options to suit different preferences.