5. Fredonia

The next entry on our list of the most affordable Upstate New York towns to move to after retiring is Fredonia. Tucked near Lake Erie’s shores, this is a place for people who like forests, lakes, and small communities.

Home to SUNY Fredonia, the town boasts a historic charm that blends seamlessly with its youthful energy. With a close-knit community, Fredonia’s Main Street is filled with cultural venues and local shops.

Nearby Lake Erie offers recreational opportunities, and the renowned Chautauqua Institution provides a rich cultural experience. The stunning sunsets and the annual Fredonia Farm Festival are local highlights.

According to the latest data, the cost of living in Fredonia is about 27% lower than the New York average and about 13% lower than the national average. No wonder it’s one of the most affordable Upstate New York towns to live in!