Finding an affordable place to live in New York can be challenging given the high cost of housing in many parts of the state. However, there are several towns where the median home prices remain accessible, and residents can enjoy thriving communities, good schools, and ample amenities.
Here are three of the best towns in New York for affordable homeownership coupled with a high quality of life, supported by the latest housing market data for 2025.
Niagara Falls: Affordable Living with Natural Beauty
Niagara Falls stands out as the most affordable city in New York State with a cost of living 33% below the state average. The median home price is approximately $190,000, considerably lower than the state median of $576,000.
This town offers residents access to world-renowned natural attractions and scenic beauty along with essential services and a supportive community atmosphere. Its affordability paired with unique recreational opportunities makes Niagara Falls a compelling option for budget-conscious buyers looking for more than just a cheap home.
Rochester: Urban Convenience Meets Affordability
Rochester provides a diverse urban environment that is family-friendly with excellent educational facilities and numerous parks. The median home price in Rochester is around $176,000, making it an accessible choice for families and professionals alike…