3. Canton

Next on our list of the most affordable Upstate New York towns is Canton. You move here after retirement, and you’ll live in a place where you won’t get bored.

The town features a historic business center, golf courses, and a famous college community—thanks to St. Lawrence University. Locals also have many parks to go to if they want to spend some time in nature.

The historic downtown is lined with cozy boutiques and cafes, which helps to create a welcoming feel. Canton’s proximity to the Adirondacks and the St. Lawrence River caters to outdoor enthusiasts, providing a spectrum of recreational activities. The sense of community is strong, with a friendly atmosphere and local events.

According to recent data, the cost of living here is about 14% lower than the New York average.