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Hubbie and I are in our mid 60's. Hubbie still works and loves it. I retired but I'm considering going back to work. We currently live in upstate NY, have our large house/ farm for sale because we want to downsize. We don't want to move South altho we did check out Florida, but we really didn't like that either.
We really do not want to move again after retirement. So when we do sell our farm, since we will be working we need to stay within commuting distance of Albany.
Question: Has anyone retired to the "Capital area" of NY? We are looking for a nice town to retire too (eventually). When we sell our farm, we want to downsize, and then stay put when we retire, so we want to make this move count.
We are willing to be within a 50 mile radius of Albany (Hubbie already travels 57 miles each way).
I know the areas pretty good but spending the day someplace is not the same as living there. I was thinking of the Saratoga Springs area but it would be more expensive than other places.
The majority of posters in this forum know nothing about NY other than it has high taxes. You would probably get more informed responses from the Albany area forum.
I agree with Alaska Eriks comments.
However being a Lower Hudson valley resident, I feel I can chime in. I've heard of a few teachers retiring to the Glenn falls area, Saratoga Springs as you mentioned. I think the key for you, would be to find the place that best suits your needs. I could very well be in a smaller home right in your current area?
The big challenge for us NY'ers is the high real estate taxes. I just can't wrap my head around $10,000/year taxes anymore.
Good luck!
Can you be across the border in NH or VT and still be within 50 miles of Albany?
NY's high (insane) taxes are enough, once I knew about them, I didn't really have any more questions. Although, yeah, I know other things about NY, for example, they are apparently the champion road salters from amongst the states, and they have very restrictive gun laws. And the Finger Lake region gets epic snowfalls, but am not aware of much good skiing around that place, too flat. I could be wrong on that last, NY is not a place I pay that much attention to.
i like lower ny state like around fishkill . if you don't mind snow the finger lake region around skaneateles is beautiful . i spent almost all of last july there.
ny tax wise is not to bad , ny does not tax our social security , ny does not tax my wife's pension which is a nyc pension , but it exempts the first 20k of all pensions . it may exclude the first 20k in ira money too . the state also gives us a 1600 tax credit for having long term care insurance . real estate taxes vary greatly depending where you are .
We are willing to be within a 50 mile radius of Albany (Hubbie already travels 57 miles each way).
I know the areas pretty good but spending the day someplace is not the same as living there. I was thinking of the Saratoga Springs area but it would be more expensive than other places.
I think it's time for some serious road tripping to check the various options out. A 50-mile radius isn't that big, and I'm sure you'll be able to weed out many of the possibles by simply spending a few days there and noting the amenities the various smaller towns have (or don't have) there.
i like being closer to the kids and grand kids so if i left queens i like hartsdale in westchester .
you have hartsdale ,eastchester and scarsdale all next to each other . the difference is the school systems which run good,better best with scarsdale being one of the most costliest places in the country to live. my son lives there .
but we have no interest in the school systems so hartsdale is way way cheaper and very very nice
I love NY and upstate is beautiful and I hope it makes a comeback. The thing is their restrictive laws keep me from ever considering it. I’d live in Vermont or NH if I retired up there.
Can you be across the border in NH or VT and still be within 50 miles of Albany?
Bennington, VT is within the OP's desired commuting distance (on what looks like a major road, too). So it could be added to the list of possibilities. I don't know if anywhere in New Hampshire would be close enough, but I don't think so.
I love NY and upstate is beautiful and I hope it makes a comeback. The thing is their restrictive laws keep me from ever considering it. I’d live in Vermont or NH if I retired up there.
Vermont is no bargain compared to NY if you look into it and NH is a long ride over the Greens. Vt. does have less in the way of restrictions like no building inspectors. You could buy a home with the well drilled right through the septic field and not even know it. I've heard of it happening. Berkshire County in Mass. gives you Albany locals on Directv and such, and a few of the Towns like Alford or Hancock have very low property taxes.
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