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Old 02-09-2015, 05:47 PM
 
Location: Syracuse, NY
42 posts, read 72,070 times
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It is hard to imagine that NY isn't the more expensive state. So many people leaving here.
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Old 02-09-2015, 06:00 PM
 
Location: Southport
4,639 posts, read 4,807,131 times
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Quote:
Originally Posted by JEB41542 View Post
I guess the bottom line for me is ..... which is the more expensive state, NY or NC?

If I move, I will not be able to return to NY. I don't have the resources. NC is such a beautiful state and I love that the mountains are on one side and the ocean on the other. But I have to stop thinking of that..... I need to do the right thing for me whatever that turns out to be.

Was hoping it would not be this complicated.

Carolinadawg2, thank you for breaking all of that down.
Most of the difference in your cost of living is going to come down to housing and state income taxes (or any local income tax you may have in NY, that doesn't exist in NC).

If the your rent in NY is about the same as what you think it will be in NC, then your cost of living differential will probably be pretty small. I'm sure you can easily fine an online income tax calculator on which you can compare NY and NC, but given what you have said generally about the size of your income, I doubt thats going to be hugely different. I'm sure it will be lower in NC, but it doesn't sound like that difference is going to be huge.
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Old 02-09-2015, 06:55 PM
 
Location: Syracuse, NY
42 posts, read 72,070 times
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Carolinadawg2: Thank you for your patience with me.

I have more or less come to that same conclusion a day or so ago, that the savings will not be that great. It's a matter of the unknown with regard to costs that scares me. I will be better off when I get a debt paid off but I have a while yet to pay it. Once that is gone, I won't be so choked. But if I wait for that to be paid, I'll be on the other side of 75. A lot of uncertainties when a person gets to a certain age.

However, there are pluses to NC that aren't measured in money.

The weather is so much nicer (I had to dig my car out of about a foot of snow today using a dustpan); there are new places to explore. I love to drive and see new things. I've lived in NY for all of my life except for the 13 months in TX. I was happy to leave TX for loss of job, family difficulties. I am OK doing things by myself, enjoying what I want to enjoy. My needs are simple.

I feel at my age that as long as I am healthy and happy, why not try a new area that may be very pleasing to my inner being. I don't think I am romanticizing; and if I am, oh well, it could be a lot worse. I could be stuck in feet of snow with temps dropping below zero with the wind chill. And it's not a short season of that. We are suffering from November through April with occasional variations of those times.

You've given me a lot of information to think about and pretty much spelled things out for me. Thank you.

Judy
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Old 02-10-2015, 08:09 AM
 
7,281 posts, read 13,521,972 times
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I've never been to Syracuse, but from what I see based on a quick glance on Zillow, it's like a lot of upstate NY markets: pretty cheap. I know that places like Buffalo and Utica are regularly listed on the list of top 10/25 most affordable housing markets in the nation.

That has a lot to do with demand. The weather up there is too rough for a lot of people, and the housing stock is often older and weather-worn. That, combined with the shrunken industrial base up there, makes for weak demand.

Winston-Salem, like a lot of cities in NC, is cheap compared to national averages, and way more affordable than, say, metro NYC/Boston/DC/etc., but it isn't really cheaper than a lot of places in upstate NY.

Costs alone aren't going to make this decision for you. Based on my limited knowledge, it looks like it would be a wash, at best. You're going to have to focus on other factors (like quality of life and proximity to friends and family) to make this decision.
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Old 02-10-2015, 09:13 AM
 
Location: The Triad (NC)
28,484 posts, read 62,101,894 times
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Quote:
Originally Posted by JEB41542 View Post
..which is the more expensive state, NY or NC?
If I move, I will not be able to return to NY. I don't have the resources.
Have you explored what subsidized senior housing choices are available in Syracuse?
What would they cost you to live there?

How are they situated w/r/t the library and shopping and movies and doctors you know
...and most importantly the PEOPLE that you already know?

In my view you need to have this information squared away as a baseline to compare to
before even considering uprooting to a different location and what those costs might be.
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Old 02-10-2015, 10:46 AM
 
Location: Sneads Ferry, NC
11,250 posts, read 19,768,765 times
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Quote:
Originally Posted by CarolinaBredChicagoan View Post
I've never been to Syracuse, but from what I see based on a quick glance on Zillow, it's like a lot of upstate NY markets: pretty cheap....

That has a lot to do with demand. The weather up there is too rough for a lot of people, and the housing stock is often older and weather-worn. That, combined with the shrunken industrial base up there, makes for weak demand.

Winston-Salem, like a lot of cities in NC, is cheap compared to national averages, and way more affordable than, say, metro NYC/Boston/DC/etc., but it isn't really cheaper than a lot of places in upstate NY.

Costs alone aren't going to make this decision for you.
You have said it better than I could. My relative in Syracuse basically says the same thing: it is cheap based on low demand.

One of the cost of living sites I use regularly gave the following comparison: Syracuse COL index was 91, while Winston-Salem COL index was 87. That's not much difference compared to the national average of 100.

Another thing to consider as one ages is the availability of social services. Does NC have as many subsidized apartments for the elderly as Syracuse. Does NC have an extra help program with Medicare drugs costs? Does Winston-Salem have any transportation assistance if one cannot drive? These things become more necessary if one does not have relatives in the area to help.

I like Winston-Salem, and I don't want to discourage the OP. I just want to make her aware of possible challenges.
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Old 02-10-2015, 01:28 PM
 
Location: Syracuse, NY
42 posts, read 72,070 times
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You all have pointed out very important things to consider. Thank you for sharing them with me.

I have come to the conclusion that my moving to NC is not going to be for financial improvement. But agree that it will be more of a wash than anything else.

CarolinaBredChicagoan: Costs alone aren't going to make this decision for you. Based on my limited knowledge, it looks like it would be a wash, at best. You're going to have to focus on other factors (like quality of life and proximity to friends and family) to make this decision.

I have chosen to focus on the beauty of the state, the better weather, the new places to see and new things to do. I love the ocean and it's not a terrible drive to get there. I love the mountains, again not a terrible drive to get there. I am a bit of a loner, enjoy doing things by myself, have lived alone for over 30 years. I make friends easily. The family that is in Syracuse is family in name only. There is nothing to miss when it comes to that.

MrRational:
In my view you need to have this information squared away as a baseline to compare to before even considering uprooting to a different location and what those costs might be.

I am currently living in an income-based apartment. The cost of living here is quite comparable to renting a "regular" apartment in WS. I've been doing a lot of looking on-line, etc. and am visiting in May to get a "feel" for what these places look like, their location, etc. Also see about doctors, libraries, etc. I would have to believe there is some sort of bus service if I should decide to ride rather than drive. As I mentioned above, have been by myself, made my own decisions for over 30 years. Yup, made some mistakes along the way, but have learned a lot from them.

goldenage1:
Another thing to consider as one ages is the availability of social services. Does NC have as many subsidized apartments for the elderly as Syracuse. Does NC have an extra help program with Medicare drugs costs? Does Winston-Salem have any transportation assistance if one cannot drive? These things become more necessary if one does not have relatives in the area to help.

Good questions. I have done a lot of inquiring about subsidized apartments in WS and have received positive answers. They have several. I received an application in the mail from one of the groups involved with them. While I do not know about doctors, etc., I am assuming you have a good supply of primary cares and specialists. A couple of doctors I see here know of my plans and are familiar with where I can go for certain specialist help if I need to. And if I should ever need to see one of my Syracuse doctors, I know I can come up and have an appointment with them. I also checked out the help with prescriptions, etc. and there is something in place to help seniors. I can't remember the name or even how I found it, but I did find it and will find it again. My medical insurance here is excellent and they have told me I will have same coverage when I move to NC. A relatively high premium but no co-pays to doctors, etc. Good help with meds, too.

OK, so you must have already figured out I plan to move. If things go wrong, I have myself to blame. But I carry a pretty positive attitude, am pretty good at making recovery from adverse situations, and have a sincerely strong desire to move to NC. I also have a firm faith in God and know when I ask for help, he gives it to me.


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Old 02-10-2015, 01:40 PM
 
Location: Southport
4,639 posts, read 4,807,131 times
Reputation: 3417
I think you'll do just fine!
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Old 02-10-2015, 02:32 PM
 
Location: Syracuse, NY
42 posts, read 72,070 times
Reputation: 13
Default Thank you!

That felt terrific!!

Judy

p.s. May I "friend" you?
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