When we think about retirement destinations, New Jersey might not be the first state that comes to mind. Often ranked low on national retirement lists, the Garden State carries a reputation that doesn’t always shine. For example, Kiplinger ranked New Jersey #49 among the best states to retire, just ahead of Kentucky. However, it’s not all bad news for those who want to stay in their beloved state during their golden years. Several charming small towns in New Jersey are perfect for retirees, offering peaceful living, community warmth, and accessibility.
Here’s a closer look at what makes these towns stand out as the best places to retire in the Garden State.
New Jersey’s Reputation as a Retirement Destination
It’s no secret that New Jersey is often criticized for being an expensive state to live in. High property taxes, the cost of living, and congestion in urban areas can make retirement planning a challenge. However, those who call New Jersey home often find it difficult to leave behind the memories, friends, and lifestyle they’ve built over the years.
Thankfully, some towns in the state provide an alternative to the bustling city life. They combine affordability (by New Jersey standards), scenic beauty, and community vibes that appeal to retirees looking for a quieter, more relaxed lifestyle.
Top Small Towns to Retire in New Jersey
According to the latest report from World Atlas, several small towns in New Jersey have earned recognition as ideal places for retirees. These towns offer a combination of low crime rates, access to healthcare, cultural activities, and scenic surroundings.
1. Haddonfield
Haddonfield, a quaint and historic town in Camden County, is one of the top picks for retirees. Its charming downtown area features boutique shops, family-owned restaurants, and friendly neighborhoods. The town is also close to Philadelphia, providing retirees with access to a big city while enjoying the serenity of a small town.
2. Princeton
Home to the world-renowned Princeton University, this town boasts intellectual and cultural vibrancy. Retirees will appreciate its beautiful parks, world-class restaurants, and opportunities for lifelong learning. Its close proximity to both New York City and Philadelphia adds to its appeal.
3. Cape May
Cape May, located at the southern tip of the state, is a haven for retirees who love the beach. Known for its Victorian architecture, stunning sunsets, and relaxed coastal lifestyle, this town offers a unique blend of history and leisure.
4. Red Bank
Often referred to as the “Greenwich Village of New Jersey,” Red Bank is a cultural hub. It features an array of art galleries, theaters, and boutique stores. The town’s lively atmosphere and beautiful riverside views make it a great spot for retirees looking for a balance between activity and tranquility.
5. Montclair
Montclair offers a perfect mix of urban amenities and suburban charm. Its vibrant arts scene, diverse restaurants, and access to New York City make it a favorite for retirees who still enjoy an active lifestyle.
What Makes These Towns Ideal for Retirees?
Each of these towns has unique characteristics that cater to retirees:
- Affordability: While New Jersey is known for its high costs, these towns provide relatively reasonable living expenses compared to larger cities.
- Healthcare: Proximity to top-notch healthcare facilities is a significant factor for retirees, and these towns deliver on that front.
- Community Engagement: From local events to volunteer opportunities, retirees can stay socially active and connected.
- Recreation: Whether it’s walking along Cape May’s beaches, exploring Haddonfield’s historic landmarks, or enjoying live performances in Red Bank, there’s something for everyone.
Benefits of Retiring in New Jersey
Despite the challenges, retiring in New Jersey comes with its own set of perks:
- Four Distinct Seasons
Enjoy the beauty of fall foliage, snowy winters, vibrant springs, and warm summers. - Rich History and Culture
From colonial landmarks to museums and festivals, New Jersey is rich in cultural experiences. - Convenient Location
The state’s location between major metropolitan areas like New York City and Philadelphia makes it easy to travel. - Diverse Landscapes
Whether you prefer the mountains, beaches, or farmlands, New Jersey has it all.
Challenges to Consider
While these towns are excellent for retirement, it’s essential to consider some of New Jersey’s drawbacks:
- Property Taxes: New Jersey has one of the highest property tax rates in the country, which could impact retirees with fixed incomes.
- Weather Extremes: Winters can be cold and snowy, which may not appeal to everyone.
- Cost of Living: While these towns are relatively affordable, they are still in a state where costs tend to be on the higher side.
Conclusion
If you’re planning to retire in New Jersey, you’re not alone in wanting to stay close to home. Despite the state’s mixed reputation, towns like Haddonfield, Princeton, Cape May, Red Bank, and Montclair provide retirees with an opportunity to enjoy a peaceful, fulfilling lifestyle.
These towns offer the perfect blend of community charm, cultural activities, and accessibility to urban centers. For retirees who love the Garden State, staying here might just be the best decision for their golden years.
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