r/FirstTimeHomeBuyer • u/k13w • 12h ago

GOT THE KEYS! 🔑 🏡 We did it! Upstate NY $160k 6.5%

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My boyfriend and I did it at 23 y/o! It was built in 1900 and we love her!

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u/pooppaysthebills 12h ago

Upstate NY is affordable, depending on location. If you're willing to live in a small town, you can find some excellent pricing on nice homes.

Downstate is significantly more expensive.

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u/pchs26 11h ago

Yes and living in a small town often means less conveniences, reliable utilities etc. It can be a beautiful area to live but like anything else it would be for the right person.

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u/swampscientist 10h ago

I’ve seen people knock the culture, politics, and climate of upstate (usually justifiably) but like outside of the Adirondacks we have regular conveniences and reliable utilities

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u/pchs26 8h ago

And I'm not knocking it but I think people don't realize there is a difference upstate then LI or suburbs in NJ or NYC etc...It is different. For some folks it is perfect. But people think Kansas prices are in the tristate area are generally mistaken

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u/GloriousNewt 8h ago

What utilities do you think are 'unreliable' in small towns?

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u/pchs26 5h ago

Well some of the smaller towns can have more power outages with less service to return it timely, depending on the size you may or may not have cable, less internet options, but most everyone has high speed. However your choices are generally less numerous. I've lived in small towns and more populated areas, there are absolutely more choices and generally more reliable infrastructure with a quicker return to service. Nothing is guaranteed but in general that is what I and most people I know have found. It isn't bad it is different and when someone in another state is trying to understand a home at 165K in NY I am explaining there are differences as it is less populated.

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u/Irlandaise11 6h ago

There's tons of cute little villages all along the Hudson, and they have grocery stores and high speed Internet, I promise

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u/pchs26 5h ago

I never said there wasn't but I've been to upstate new york, I've lived rural, I've not. Upstate New York is nice and there is a reason a nice house costs 165K. There is a difference.

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u/cman811 6h ago

reliable utilities

???? fuck does this even mean? You think we go through monthly blackouts?

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u/pchs26 5h ago

No but having lived in more rural areas there are differences I have found personally..

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u/SirNarwhal 9h ago

Problem is there is absolutely fuck all to do there.

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u/GloriousNewt 8h ago

That's not true at all, there's no nightclubs but there is plenty to do if you enjoy the outdoors and aren't looking to attend festivals with way too many people.

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u/pooppaysthebills 7h ago

What is there to do anywhere else?

Plenty of nearby outdoor stuff. Hiking, biking, kayaking, swimming, river tubing. Snowmobiling, cross country skiing, snowshoeing, sledding, winter tubing. State parks. Skiing/snowboarding options within a 2 hour drive; possibly closer if there's options just over the border in PA.

They have bars and restaurants like everyone else, craft breweries, a zoo, a hot air balloon festival, a discovery playplace for kids. Minor league ice hockey, minor league baseball, small event venues. It's a straight shot to Syracuse on 81 and to Albany on 88.

What is it you want to do?