New Jersey offers several suburban communities that provide an excellent balance of affordability and senior-friendly amenities. Based on cost of living data, housing prices, and senior services, here are the five most affordable suburban towns for seniors in the Garden State.
1. Mays Landing
Average Monthly Cost of Living: $1,828
Average Monthly Mortgage Cost: $1,978
Mays Landing has been recognized as New Jersey’s best small town for retirement based on cost of living and affordable housing. Located in Atlantic County, this town offers seniors convenient access to Jersey Shore beaches, boardwalks, and Atlantic City. The area features three public golf courses and provides a perfect blend of affordability and recreation for active seniors.
2. Phillipsburg
Median Home Price: $144,200
Population: 15,206
Phillipsburg stands out as one of the most walkable and affordable options for seniors. This historic railroad community features crime rates well below the national average and has its own hospital. The town offers rich cultural attractions including the Delaware River Railroad Excursions, Sigal Museum, and various galleries and restaurants along the riverfront. Warren County also provides comprehensive senior programs, including community meals and social events.
3. Hopatcong
Average Home Price: $240,600
Cost of Living: 10% below state average
Located on New Jersey’s largest lake, Hopatcong offers seniors a unique waterfront lifestyle at an affordable price. The town sits 10% below the state’s average cost of living while providing 45 miles of shoreline filled with restaurants, marinas, and recreational activities. Hopatcong features a robust Senior Recreation and Nutrition program offering various services, events, transportation, and medical support.
4. Hainesport
Average Home Price: $240,000
Population: 6,042
Cost of Living: 10% below state average
This Burlington County town offers excellent value for seniors, sitting 10% below the state’s average cost of living. Hainesport features a dedicated affordable housing program for residents over 55, providing two-story, two-bedroom housing units. The community offers access to Rancocas State Park and Nature Center, plus a 30-acre county park for outdoor activities. Seniors can participate in the Senior Citizen Club with regular game days and meetings.
5. Griggstown
Though smaller than other options, Griggstown consistently ranks among New Jersey’s most affordable suburbs while maintaining high quality of life standards. This quiet community surrounded by woods and wildlife offers an ideal setting for seniors seeking tranquility. The town provides a safe, family-friendly environment that’s particularly well-suited for retirees who prefer a more rural suburban setting.
Additional Considerations for Senior Living
Senior-Specific Communities
For seniors seeking more structured living arrangements, New Jersey offers several affordable 55+ communities, including Cedar Glen West and Cedar Glen Lakes, which rank among the state’s lowest cost-of-living communities.
Healthcare Access
Many of these communities provide reasonable access to healthcare facilities. For example, Hopatcong has a hospital just 20 minutes away by car, while Phillipsburg has its own hospital.
Property Tax Relief
New Jersey seniors may benefit from various property tax relief programs, including potential credits for those aged 65 and above.
These five towns represent the best combination of affordability, senior services, and quality of life for retirees looking to settle in New Jersey’s suburban communities. Each offers unique advantages, from waterfront living in Hopatcong to the cultural richness of Phillipsburg, ensuring seniors can find a community that matches their lifestyle preferences and budget constraints.