The short version
Close when the water — not the air — holds below about 60°F. Algae goes dormant in cold water, so a pool balanced and covered at that point winters clean and opens easy. Swimming may end weeks earlier; keep the pump running and the water sanitized until the cold actually arrives.
For a single answer for your town, the pool season lookup takes a ZIP code, and every city page under pool seasons pairs the dates with a month-by-month warm-enough table.