FIRE Number & Cost of Living in New York

Explore FIRE baselines across 9 cities in New York. State taxes affect your take-home, so we show local tax context for each city. Find your target and compare retirement timelines. Compare New York with the broader Northeast FIRE guide.

Cities covered

Avg FIRE target

$1,527,500

Avg annual cost

$61,100

All cities in New York

Ranked by cost of living. Pick a city to see detailed FIRE calculations, tax context, and retirement scenarios specific to that location.

Huntington, NY

$77,900/year baseline

$1,947,500 FIRE target

New York City, NY

$77,500/year baseline

$1,937,500 FIRE target

White Plains, NY

$68,200/year baseline

$1,705,000 FIRE target

Brooklyn, NY

$67,400/year baseline

$1,685,000 FIRE target

Yonkers, NY

$62,400/year baseline

$1,560,000 FIRE target

Albany, NY

$51,600/year baseline

$1,290,000 FIRE target

Buffalo, NY

$48,800/year baseline

$1,220,000 FIRE target

Rochester, NY

$48,100/year baseline

$1,202,500 FIRE target

Syracuse, NY

$48,000/year baseline

$1,200,000 FIRE target

Calculate your FIRE date for any city in New York

Use the full calculator to model your specific income, savings rate, and taxes to get an exact retirement date.

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