Michelle, There are lots of areas around NYC, but as a Realtor professionals, we suggest you should use a Realtor in the area of your interest. Look for cities you would like to live in that meets your needs, and if you'd like, we can refer you to a qualified agent in that area. What we need to know are questions like: how many bedrooms do you need, how many people will be living in your home, do you have any pets, is $200,000 your ceiling? Do you have to sell your current resisdence before you can buy? Can you get any financial assistance from other family members? How is your credit? These are questions that you need to address and also you should talk with your bank or a mortgage company to see if you can qualify for more. Let us know if we can be of further assistance.