1. Potsdam

The first entry on our list of the most affordable Upstate New York towns is Potsdam. Located in the Adirondack foothills, this small town is a hidden gem that offers a nice mix of community and charm.

Home to SUNY Potsdam and Clarkson University, Potsdam thrives on intellectual vitality, while the town’s lovely streets, coupled with nearby Adirondack beauty, are always a nice place to walk through.

With a strong sense of belonging and a lower cost of living, Potsdam encapsulates a small-town vibe with big opportunities, making it one of the best and most affordable Upstate New York towns for those seeking a balanced and enriching lifestyle.

According to some data, the cost of living in this town is 20% lower than the New York average.