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Old 09-25-2019, 07:06 AM
 
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Please suggest those towns in the Hudson Valley that might be most appropriate for retirees?

We are assuming that the northern towns and counties are less expensive due to much longer commutes to NYC?

Issues:

Hope to find an artsy community, we love *live music* of all kinds.

We also enjoy hiking/walking/restaurants/being part of a community.

Housing costs are always a concern, particularly property taxes since we would have no control over the escalation rates.

We are close to 60 years old.

Nice to have would be access to the train to Manhattan.

Thank you.
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Old 09-25-2019, 07:44 AM
 
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Check out Columbia County in this regard: https://smartasset.com/taxes/new-yor...tor#I81Di44MZC (property tax rate is 1.893%) Keep Enhanced STAR in mind at age 65.

Median home price for the county is around $230,000.

Places like Chatham, parts of Hudson and Germantown come to mind. Hopefully others will chime in with more specific information.

Last edited by ckhthankgod; 09-25-2019 at 07:53 AM..
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Old 09-25-2019, 07:48 AM
 
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Last spring I did a drive-around that area, a scouting expedition looking for basically the same thing you are. There are a lot of nice towns, especially very small towns if that's something you're interested in. If something a bit larger, more lively, is more desirable to you, then New Paltz is cool. I liked Poughkeepsie more that I expected to. Really there are lots of options.

I will say that I was pretty put off by the property taxes everywhere I visited. It's just too much for my husband and me, sadly, because I did really love the area. It would just put too much pressure on our retirement finances --we're above the threshold for the property tax relief programs, but only just above so not affluent enough to afford it. Plus, as you say there's no controlling the future increases.

We're probably going to settle in PA. We're relocating from the west coast where our property taxes are MUCH more reasonable, but we're moving to be closer to family and understand the increased property taxes is just going to be part of the deal. While PA taxes are higher than what we pay in our current state, there will be some relief from state income tax so it should level out and be a pretty even trade for us. Problem with NY is they hit you with every conceivable tax, income, property, sales... it makes it very hard to move there for a lot of people. Too bad. Otherwise we certainly would.
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Old 09-25-2019, 08:03 AM
 
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Beacon is about the "artsiest" largish community in the Hudson Valley. I haven't been to Woodstock in decades but a lot of hippy types lived there. Hudson is the up and comer community as is Columbia County as a whole. If college towns are your thing, New Paltz stands out. See link.


https://ny.curbed.com/2018/6/26/1745...eekend-getaway


Note: If you want a really "artsy" community, check out Brattleboro, VT.
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Old 09-25-2019, 08:32 AM
 
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Quote:
Originally Posted by Wells5 View Post
Beacon is about the "artsiest" largish community in the Hudson Valley. I haven't been to Woodstock in decades but a lot of hippy types lived there. Hudson is the up and comer community as is Columbia County as a whole. If college towns are your thing, New Paltz stands out. See link.


https://ny.curbed.com/2018/6/26/1745...eekend-getaway


Note: If you want a really "artsy" community, check out Brattleboro, VT.
If the OP is willing to go further north in NY, places like Glens Falls, parts of Troy(SE/far E portion of city or Downtown) and Ballston Spa. All have an art presence and are in close proximity to rail access to NYC via stations in Fort Edward, Rensselaer and Saratoga Springs.

There are other places like Salem and Cambridge in Washington County, but they are further away from rail access into NYC. https://washingtoncountyarts.org/was...n-county-arts/

https://salemnychamber.com/

https://cambridgenychamber.com/where-is-cambridge-ny/
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Old 09-25-2019, 01:49 PM
 
61,732 posts, read 87,206,078 times
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A couple of train routes that could give some idea of other places to look into: https://www.amtrak.com/content/dam/p...ule-090418.pdf
https://www.amtrak.com/adirondack-train

https://www.amtrak.com/content/dam/p...290-030419.pdf
https://www.amtrak.com/ethan-allen-express-train

If you don't mind veering a little further west into the eastern portion of the Mohawk Valley(perhaps a place like Scotia across from Schenectady): https://www.amtrak.com/content/dam/p...W08-063019.pdf
https://www.amtrak.com/empire-service-train
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Old 09-25-2019, 08:24 PM
 
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Columbia County is probably the best bet from a tax perspective overall... and then Ulster has a lower tax burden than Dutchess.

I would at least cast a glance at Chatham in Columbia, and Kingston/Saugerties in Ulster... housing costs in Ulster are fairly reasonable as a rule, Columbia County really varies by town.

Those towns do not have direct train access - in the mid Hudson, you generally pay for that privilege.

Another option is to live in far southern Columbia - Clermont/Germantown/Livingston or Elizaville/Gallatin. They are close enough to Hudson, Kingston, Red Hook, and Rhinebeck, as well as to the Amtrak stations in Hudson and Rhinecliff, but less expensive. Just watch the school district if you take this route - houses in the Hudson and Germantown SDs will generally be less expensive than ones zoned to other districts.
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Old 09-26-2019, 03:18 PM
 
249 posts, read 105,203 times
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Quote:
Originally Posted by BellBottomBlues View Post
Please suggest those towns in the Hudson Valley that might be most appropriate for retirees?

We are assuming that the northern towns and counties are less expensive due to much longer commutes to NYC?

Issues:

Hope to find an artsy community, we love *live music* of all kinds.

We also enjoy hiking/walking/restaurants/being part of a community.

Housing costs are always a concern, particularly property taxes since we would have no control over the escalation rates.

We are close to 60 years old.

Nice to have would be access to the train to Manhattan.

Thank you.
My girlfriend lived in Rhinebeck for 30 years and loved it there. Last year we visited Rhinebeck and I found it to be a very nice place and very artsy. There were some nice restaurants downtown as well as some neat diners on the outskirts of town. We stayed at an Airbnb rental for 2 weeks that was the upper floor of an older home. I think many people offset the higher housing costs there by renting out rooms in their homes. Nearby Redhook is probably less expensive than Rhinebeck.

There is an old inn in the center of Rhinebeck. It goes back to pre-Revolutionary era. Rhinebeck has sort of a farmer's market not far from the center of town too. The apples sold there were very good. We walked all over the town and I didn't grow tired of looking at the beautiful old houses.
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Old 09-30-2019, 08:13 AM
 
Location: New York
1,054 posts, read 604,328 times
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Not sure how far away would be too far in terms of having NYC access, but a few towns come to mind in mostly descending order of distance:

Saugerties
New Paltz
Beacon
Cold Spring
Peekskill
Nyack
Tarrytown

I'd probably only suggest the last two if you really need frequent access to Manhattan.
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Old 10-02-2019, 06:54 AM
 
61,732 posts, read 87,206,078 times
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Quote:
Originally Posted by vladlensky View Post
Not sure how far away would be too far in terms of having NYC access, but a few towns come to mind in mostly descending order of distance:

Saugerties
New Paltz
Beacon
Cold Spring
Peekskill
Nyack
Tarrytown

I'd probably only suggest the last two if you really need frequent access to Manhattan.
All, except for New Paltz and Saugerties are on the Metro North line. So, the 2 Ulster County communities are the exceptions on the list.

MNR Map
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