Independent Living in New York

New York State’s variety of lifestyle options makes it an ideal retirement destination. While the hustle and bustle of New York City may be the first thing that comes to mind, the Empire State has much more to offer. From the beaches of Long Island, to Niagara Falls and the Finger Lakes out west, to the Catskill and Adirondack Mountains in the north, New York is filled with natural wonders and smaller, quieter towns.

Currently, A Place for Mom partners with more than 350 independent living communities in New York.

The median monthly cost of independent living in New York is about $3,000.

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Independent Living in New York

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New York Independent Living Regulations

Each state regulates senior living communities differently. Because independent living is often provided by assisted living communities, states may regulate independent living within their guidelines for assisted living. You can use APFM’s guide to assisted living regulations to learn more about access to facility records in New York.

In New York, independent living communities — also known simply as retirement communities — are geared towards seniors who are able to live on their own, without daily assistance, and prefer to live among people their age. This usually means residents are self-sufficient and do not require hands-on care. Think of independent living communities as age-restricted (typically 55+) complexes, which provide organized activities, meal services, and transportation.

Cost of Living

Overall, the cost of living in New York is considered to be less affordable than the national average. All index scores are based on a scale with the national average set at 100.

Price Indexes

  • Cost of Living: 136
  • Groceries: 115
  • Housing: 204
  • Utilities: 109
  • Transportation: 117

Demographics

About 16% of New York’s population are seniors. Politics in the state can vary but often tend to be left of center. In the 2016 presidential election, New York leaned liberal.

2016 Presidential Election

  • 59% voted Democratic
  • 37% voted Republican
  • 5% voted third party or abstained

Population

  • Median age: 39
  • Over the age of 55: 30%
  • 2018 population: 19,542,209
  • 2020 population: 19,445,549
  • Estimated 2025 population: 19,205,986

Miscellaneous

  • 29% regularly attend a religious service
  • 44% consider themselves atheist, agnostic, or a non-believer
  • Across the state there are a total of 14,110 congregations
  • There are 72 Masonic lodges in the state

Climate and Weather

Almost all of New York’s northern section is classified as having a humid continental climate, whereas the southern area covering New York City and Long Island has a warmer humid subtropical climate. The state has four distinct seasons including warm summers and cold winters, and the western areas near Lake Erie and Lake Ontario often experience more extreme temperatures and higher amounts of precipitation.

Humidity and Precipitation

  • Average humidity level: 71%
  • Average monthly precipitation: 4”
  • Average maximum monthly precipitation: 6” (October)

Air Quality

  • Average air quality index rating: 34 (Good)
  • Average maximum air quality rating: 44 in May (Good)

Seasonal Temperatures

  • Average temperature: 47°F
  • Average summer temperature: 68°F
  • Typical summer high: 86°F (July)
  • Typical summer low: 48°F (June)
  • Average winter temperature: 25°F
  • Typical winter high: 45°F (December)
  • Typical winter low: 2°F (January)

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