I dont' know what county you live in, but aside from the suburban counties, most NY housing is within most peoples salary ranges. Those who are fortunate enough to live in Counties such as Westchester, Rockland, Putnam, Orange and Dutchess counties are already screaming about the high cost of taxes (school, police, town, highway, fire, library, sewer, sanitation, etc). I honestly don't know how much sympathy you'd get from the average taxpayer if you start talking forming a fully career fire department. Saving a few hundred dollars per year on your insurance isn't going to impress too many if they ultimately end up paying more in fire taxes. Remember, the career firefighters have to be paid salary increases; overtime, benefits/retirement, vacation relief, training, fire house conversion, etc. It is not the bargain as one may believe it to be.
It would be nice if the taxpayers could afford the luxary of having a fully paid department in every town; but lets be realistic, paying a crew of fire fighters to sit in the fire house to respond to 300-400 fire calls per year is not feasible. Educating the public as to the value of volunteering and changing the way they do business will go along way to help keep taxes down and at the same time attract and retain the volunteer system.