5 Cities in the Northeast to Retire on $3000 a Month

3. Dunkirk, New York

Insider Monkey Score: 41

Cost of Living Index: 75.5

Median Home Price: $97,000

Average Monthly Rent: $680

One of the most affordable lake towns in the US is Dunkirk. According to Realtor, this city is the third-most affordable real estate market for lake properties. Sitting in Chautauqua County, it is revered for its beaches, fishing, wineries, and small-town vibe. For seniors who wish to live in New York but don’t have the budget, this city is a good option to explore. There are many local events and festivals that seniors can enjoy here, too.