You can do what I did. Move to an out of town place loaded with New Yorkers (in the summer time every year). For example the Catskills. There is Woodridge and South Fallsburg that have year round communities. Problem of course is parnassah and schools. For parnassah some commute to the city daily. There are daily express buses (shortline bus lines). Of course you can find a new job closer.
There is a Torah Umseorah Day school in Kiamesha Lake. It’s not for everyone but for the right family it can work out very well. Fallsburg has a cheder which is like a typical Lakewood school.
Also it’s not too far from missing family simchas etc… 1.25 hours from Monsey. Two hours from Brooklyn. Year round kosher groceries…
Houses cost 110K-150K. There are loans out there where you only need to put down 3.5% (FHA). Even SONYMA all you need is 5% down. Yes there is a PMI but with rates so low today it’s a viable option.