New York
How a Physical Therapist and a Retiree Live on $208,000 in Harlem
How can people possibly afford to live in one of the most expensive cities on the planet? It’s a question New Yorkers hear a lot, often delivered with a mix of awe, pity and confusion.
We surveyed hundreds of New Yorkers about how they spend, splurge and save. We found that many people — rich, poor or somewhere in between — live life as a series of small calculations that add up to one big question: What makes living in New York worth it?
It has never really occurred to Marian or Charles Wade to live anywhere but the city where they were born and where they raised their children.
New York is in their bones. “We have our roots here, and our families enjoyed life here before us,” Ms. Wade said.
And they feel lucky. Between Mr. Wade’s pension, earned after more than 40 years as an analyst at the Manhattan district attorney’s office, and his Social Security benefits, along with Ms. Wade’s work as a physical therapist at a psychiatric center, they bring in about $208,000 a year.
Still, it’s hard for the couple not to notice how much the city has changed as it has become wealthier.
About 10 years ago, Ms. Wade, 65, and Mr. Wade, 69, sold the Morningside Heights apartment they had lived in for decades. The Manhattan neighborhood had become more affluent, and tensions over how their building should be managed and how much residents should be expected to pay for upkeep boiled over between people who had lived there for years and newer neighbors.
They found a new home in Harlem, large enough to fit their two children, who are now adults struggling to afford the city’s housing market.
All in the Family
Ms. Wade knew it was time to leave Morningside Heights when she spotted her husband hiding behind a bush outside their building, hoping to avoid an unpleasant new neighbor. They had bought their apartment in 1994 for $206,000, using some money they had inherited from their families, and sold it in 2015 for $1.13 million.
The couple found a new apartment in the Sugar Hill section of Harlem for $811,000, and put most of the money down upfront. They took out a loan with a good rate for the remaining cost, and had a $947 monthly payment. They recently finished paying off the mortgage, but they have monthly maintenance payments of $1,555, as well as two temporary assessments to help improve the building, totaling $415 a month.
Their two children each moved home shortly after graduating from college.
The couple’s son, Jacob Wade, 28, split an apartment with three roommates nearby for a while, but spent down his savings and moved back in with his parents. He is searching for an affordable one bedroom nearby and plans to move out later in the year. Their daughter, Elka Wade, 27, came home after college but recently moved to an apartment in Astoria, Queens, with roommates.
Until their daughter moved out a few weeks ago, she and her brother each took a bedroom, and Mr. and Ms. Wade slept in the dining room, which they had converted into their bedroom with the help of a Murphy bed and a new set of curtains for privacy.
There is very little storage space. A piano occupies an entire closet in their son’s bedroom, because the family has no other place to fit it.
The setup is cramped, but close quarters have their benefits: When their daughter, a classically trained cellist, was living there, she often practiced at home in the evenings. “I love listening to her play,” Ms. Wade said.
Three Foodtowns and a Thrift Shop
The Wades do what they can to keep their costs low. They’ve decided against installing new, better insulated windows in their drafty apartment. They don’t go on vacations, instead visiting their small weekend home in rural upstate New York. And they’ve pulled back on takeout food and retail shopping.
Instead, Mr. Wade surveys the three Foodtown supermarkets near their home for the best deals, preferring one for produce and another for meat. The weekly grocery bill has been around $500 with both kids living at home, and the family usually orders delivery twice a week, rotating between Chinese and Indian food, which typically costs $70, including leftovers.
For an occasional splurge, they love Pisticci, a nearby restaurant where the penne with homemade mozzarella costs $21.
The couple owns a car, which they park on the street for free. But they often use public transportation to avoid paying the $9 congestion pricing fee to drive downtown, or when they have a good parking spot they don’t want to give up. They have a senior discount for their transit cards, which allows them to pay $1.50 per subway or bus ride, rather than $3.
Ms. Wade stopped shopping at the stores she used to frequent, like Eileen Fisher and Banana Republic, years ago. Instead, she visits a thrift store called Unique Boutique on the Upper West Side. She was browsing the aisles a few months ago, before a big Thanksgiving dinner, and spotted the perfect dress for the occasion for just $20.
But she has one nonnegotiable weekly expense: a private yoga lesson in an instructor’s apartment nearby, for $150 a session.
Swapping Mortgage Payments for Singing Lessons
For every member of the Wade family, life in New York is all about the arts.
The children each attended the Special Music School, a public school focused on the arts. Their son, an actor, teacher and director, works part time at the Metropolitan Opera and the Kaufman Music Center, a performing arts complex in Manhattan. His sister works in administration at the Kaufman Center.
Mr. Wade is still close with friends from high school who are now professional musicians, and the couple often goes to see them play at venues like the Bitter End in Greenwich Village, where shows typically have a $12 cover and a two-drink minimum.
The couple has cut back on going to expensive concerts — they used to try to see Elvis Costello every time he came to New York, for example — but have timeworn strategies for getting affordable theater tickets.
They recently splurged on tickets to “Oedipus” on Broadway for themselves and their daughter, who they treated to a ticket as a birthday gift. The seats were in the nosebleed section, but still cost $80 apiece.
The couple has a $75 annual membership to the Film Forum, which gives them reduced price tickets to movies. They occasionally get discounted tickets to the opera through their son’s work, and when they don’t, they pay for family circle passes, which are usually $47 a head, plus a $10 fee.
Ms. Wade, who grew up commuting from Flushing, Queens, to Manhattan to take dance lessons, sometimes takes $20 drop-in ballet classes during the week at the Dance Theater of Harlem, just a few blocks away from the apartment.
Recently, when the couple paid off their mortgage, Ms. Wade celebrated by giving herself a treat: weekly private singing lessons, for $125 a session.
new video loaded: Protesters Clash with Federal Agents Outside ICE Detention Center in New Jersey
transcript
transcript
Protesters Clash with Federal Agents Outside ICE Detention Center in New Jersey
Protesters and immigration agents clashed outside Delaney Hall detention center in Newark, where activists have gathered for days to denounce conditions inside.
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“Get back!” “Get back, get back, get back, get back, get back!” [chanting] “ICE, ICE has got to go. Hey, hey, ho, ho.” “We’ve heard repeatedly about these horror stories of pregnant women not getting access to care, of people with injuries not being treated. People shouldn’t have to starve themselves to make their dignity known.” “Down, down with the degradation.” “Down, down with the degradation.”
By Christina Kelso
May 28, 2026
How can people possibly afford to live in one of the most expensive cities on the planet? It’s a question New Yorkers hear a lot, often delivered with a mix of awe, pity and confusion.
We surveyed hundreds of New Yorkers about how they spend, splurge and save. We found that many people — rich, poor or somewhere in between — live life as a series of small calculations that add up to one big question: What makes living in New York worth it?
Ellen Hagan grew up in a small town in Kentucky, and moved to New York City as quickly as she could after she graduated from college. She arrived a few weeks before Sept. 11, and tried to get her bearings in a city turned upside down.
She found a group of fellow young artists and writers who wanted to take advantage of everything they could in the city, on very limited budgets. They went to poetry readings and dance parties, and rented tiny apartments in the East Village.
All the while, Ms. Hagan was diligent about saving money, even when she had very little of it.
“I didn’t know what I was saving for, but I knew I wasn’t going to have a job that would give me a pension,” she said. “I wanted to make enough money to live the New York existence I was dreaming of.”
Twenty-five years later, Ms. Hagan and her husband, David Flores, whom she started dating in her early years in New York, have much more money than they used to. Still, they feel more anxious about money than they hoped they would at this point in their lives.
The couple both work at DreamYard, a Bronx arts nonprofit. Last year, they made $178,135 there collectively, with Ms. Hagan, 47, directing the poetry and theater programs, and Mr. Flores, also 47, serving as the head of visual art and design.
They typically bring in another $40,000 to $60,000 a year through their freelance work. Mr. Flores is an adjunct professor, a photographer and a filmmaker, and Ms. Hagan teaches at a graduate writing program and writes books and poetry. They try to set aside about 15 percent of their income each year to grow their savings.
The couple live in Washington Heights in Upper Manhattan with their two daughters, who are 12 and 15.
Homeownership Doesn’t Solve Everything
As a young couple, Ms. Hagan and Mr. Flores lived in a 400-square-foot East Village rental. When their rent started to tick up, Ms. Hagan began looking for a place to buy, seeing homeownership as a buoy that would all but guarantee a secure financial life in New York.
Sixteen years ago, the couple found a perfect apartment in Washington Heights and scrambled to cobble together a down payment. They pooled their savings to put a 15 percent down payment on the $335,000 home. Once they closed, they were left with only a few hundred dollars in savings, but were thrilled and relieved.
“I had this sense that when you buy, you’re set in New York City,” Ms. Hagan said.
The reality, she has found, is more complicated.
The couple’s mortgage payment is $1,300 a month, and their maintenance fees keep rising, partially as a result of a new local law that requires increased inspections and repairs for buildings. Local Law 11 boosted their maintenance by $462 a month, at least temporarily, to about $1,900 total. And when the building’s management installed a new security system, each unit had to chip in $95 a month for three months.
Ms. Hagan loves the apartment, but she worries that they may eventually be priced out of their neighborhood.
“This building isn’t going to be for us at some point,” she said. “This feels like, uh oh, they’re imagining people who have much higher incomes than we do.”
Keeping the Kids Busy
Ms. Hagan and Mr. Flores, who each maintain packed calendars, have encouraged their daughters to adopt the same approach to city living.
“I’m definitely a proponent of, let’s fill your schedule and see what you love,” Ms. Hagan said.
The girls’ public school offers free debate and band classes before and after school, and they’ll appear this spring in the school’s productions of “Annie” and “The Addams Family.”
The girls are also enrolled in a free theater academy at the People’s Theatre and writing workshops at Uptown Stories, which has a pay-what-you-can system. Ms. Hagan and Mr. Flores typically pay the full tuition, which is $800 for each 12-week session, and donate about $2,500 a year to the organizations their daughters are part of.
The couple’s older daughter, Araceli, who wants to be both a writer and a doctor, is enrolled in a medical training program for middle and high school students. She made $2,500 for completing an internship at a cardiothoracic intensive care unit last summer.
Their younger daughter, Miriam, is going to a Y.M.C.A. camp this summer, which costs $2,600 for two weeks.
Ms. Hagan and Mr. Flores spent about $500 total on holiday gifts for both girls, and the couple doles out their daughters’ weekly allowances in two installments: $25 on Mondays and $25 on Fridays.
They shook their heads when Miriam, who is known as the most stylish member of the family, came home one day wearing a Dr Pepper T-shirt she’d bought at Target.
“We were like, ‘What are you doing with your money?’” Ms. Hagan said.
The Fun Stuff
The extra income from the couple’s freelance work allows the family to splurge on theater, vacations, books and memberships at the Museum of Modern Art and the Whitney Museum of American Art.
Sometimes, Ms. Hagan and Mr. Flores work together. A few years ago, they sold a young adult novel called “Tell Me Every Lie” they had co-written for a $35,000 advance, some of which went to their agent.
Every little bit helps. The family is spending a weekend on Long Beach Island in New Jersey this summer, which will cost about $3,500. That price tag includes a hotel room big enough for four.
The family typically travels twice a year to Kentucky, where both Ms. Hagan and Mr. Flores are from, and where the couple co-owns a home in Louisville with Mr. Flores’s parents. They put $40,000 down and spend about $12,000 annually on expenses related to the home.
The family was hoping to travel to the Philippines this year, where Mr. Flores’s father is from, but they realized it could cost as much as $15,000. The trip is now on hold indefinitely.
They spend about $700 a month on groceries from nearby supermarkets, and occasionally order grocery deliveries from FreshDirect.
Every Wednesday, when the girls come home late from theater class, someone picks up dinner at the nearby halal truck or the Dominican restaurant Malecon, which usually runs about $60.
Dinner out as a family of four can easily cost $200, so Ms. Hagan and Mr. Flores typically eat at restaurants just once or twice a month. The other night, the whole family was hungry and craved Italian food from a favorite upscale spot nearby.
They balked, and walked around the corner to a diner instead. The meal was $120, all in.
We are talking to New Yorkers about how they spend, splurge and save.
Gov. Mikie Sherrill of New Jersey, a Democrat who has clashed with the Trump administration over immigration policies, joined protests outside a detention center in Newark on Monday in support of detainees participating in a hunger strike.
Ms. Sherrill heard from family members of detainees, who have complained about rotten and spoiled food and inadequate medical care at Delaney Hall. Dozens of protesters waved signs, banged on drums, and chanted “Free Them All!” The governor told the crowd she had requested access but was denied.
“No matter what your immigration status is, you shouldn’t be treated with anything less than dignity in this country,” said Ms. Sherrill, who was dressed in a T-shirt, jeans, and blue-gray jacket on the Memorial Day holiday. At one point, she rested her hand on the shoulder of a crying relative and smoothed the hair of an upset child.
After the governor left, the scene worsened outside the detention facility. A tense standoff erupted between Immigration and Customs Enforcement agents and protesters who blocked an entrance; the agents responded by firing pepper balls and spray at the protesters. Senator Andy Kim, who was trying to de-escalate the situation, was among those affected.
On Monday, the governor and other elected officials, including Mayor Ras J. Baraka of Newark, appeared outside Delaney Hall amid growing concerns over the hunger strike, which started on Friday inside the gray, cinder-block building enclosed by a high chain link fence topped with razor wire.
Immigration advocates have rallied outside Delaney Hall since Friday. Detainees said they would go on a hunger and labor strike while calling for an investigation of the detention center and its operations and for Ms. Sherrill to visit to discuss protections from ICE. Hundreds of detainees were participating, one protester told Ms. Sherrill.
The governor said in a statement on Sunday that she had contacted ICE to gain access to the detention center and was working to monitor the situation and “do what’s necessary to ensure humane conditions.”
At Monday’s protest, some protesters shouted in Ms. Sherrill’s face to criticize her for not showing up earlier in the weekend, like other elected officials had.
Representative Rob Menendez of New Jersey had arrived at 8 p.m. on Sunday and stayed all night until he was allowed into the center on Monday morning. Mr. Menendez said that he had spoken to some of the detainees inside Delaney Hall, including a young woman who just wanted to go to her high school graduation, a pregnant woman who was trying to get medical care, and a man who showed him a carton of milk that had gone rancid.
“I heard just desperation from so many people in there,” Mr. Menendez said afterward.
Angela Martinez told Ms. Sherrill that her cousin, Bolivar Bueno, 65, has diabetes and that she hasn’t been able to speak to him to make sure he is getting medication. “We don’t know what’s going on,” she told the governor.
Afterward, Ms. Martinez said, “I want for her to help me out.”
Ms. Sherrill left after about an hour, around 11:30 a.m., as some demonstrators jeered at her. Her security had to clear the road of a couple people who tried to stop her S.U.V. from leaving.
A few hours later, a convoy of ICE vehicles approached another entrance on the south side of Delaney Hall. Protesters, who had rallied at the north entrance in the morning, ran over to sit down in front of the vehicles. Many said they feared that the detainees on hunger strike inside would be transferred to other facilities.
ICE agents — most of whom were wearing face masks — pushed and shoved the protesters out of the way, even dragging one young man by a kaffiyeh around his neck. As the protesters chanted “Trump Has To Go,” they linked arms and faced the ICE agents.
The standoff prevented anyone from leaving through the south entrance. Soon after, a military-style vehicle moved toward that entrance, with a man on top holding a firearm pointed at demonstrators.
Senator Kim, Democrat of New Jersey, who had been allowed inside Delaney Hall, came out during the confrontation and walked over to support the protesters. Soon afterward, the ICE agents and military vehicles backed away from the entrance and slightly retreated toward to the detention center, but the standoff continued.
“They provoked it, they brought that tank over,” Mr. Kim said. “It’s getting worse and worse here.”
The senator said he was working to “de-escalate” the standoff through negotiations with federal officials and would push for families to be allowed to visit detainees as early as Tuesday. “I’m going to keep at it,” he said.
Not long after, the standoff escalated with ICE agents using pepper balls and mace on the crowd.
It’s not the first time Delaney Hall has faced protests. In June 2025, four men escaped from the detention center after days of unrest over meager and sporadic meals and overcrowding that forced some detainees to sleep on the floor. Detainees had smashed windows, doors and security cameras.
And Mr. Baraka, the Newark mayor, was arrested in May 2025 during a clash with federal agents outside its gates last year.
Dakota Santiago contributed reporting.
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