Property taxes, shore towns, and easy access to bigger cities all shape how New Jersey fits into a retirement plan. Depending on the city, you might be trading higher housing costs for strong healthcare networks and transit, or choosing quieter neighborhoods and classic boardwalk life over constant downtown activity.
This guide looks at the best places to retire in New Jersey so you can weigh each city’s costs, climate, access to care, and everyday pace against the kind of retirement you actually want.
Our Top Picks for Retirees
• Princeton for a prestigious, intellectual retirement in a town full of historic ivy-covered charm. • Hoboken for an energetic urban lifestyle with iconic Manhattan skyline views and small-town warmth. • Cherry Hill for a perfect balance of quiet suburban comfort and quick access to Philadelphia. • Atlantic City for an affordable, high-energy coastal retirement with a famous boardwalk and beaches. • Montclair for a culturally rich experience in a historic town known for its vibrant arts scene.
Princeton
Princeton is where history and prestige meet serene beauty. Walking through its quaint streets lined with historic buildings, you’ll feel the academic energy that infuses the air, making it a perfect place for retirees who love intellectual stimulation and scenic surroundings. Cost of Living Princeton’s cost of living index of 130 might reflect a higher price tag, but what you get in return is invaluable. Living here means investing in a lifestyle enriched with cultural and educational opportunities, all set within a picturesque town that exudes charm and sophistication. It’s a price worth paying for those who value quality and enrichment in their retirement years. Climate and Weather Princeton enjoys around 210 days of sunshine annually, with summers averaging a pleasant 85°F. These warm days are ideal for exploring the town’s lush gardens or enjoying outdoor performances. Winters can be crisp, with lows around 28°F, offering a cozy atmosphere perfect for indoor cultural pursuits and fireside reading in historic homes. Healthcare Facilities Princeton boasts 12 healthcare centers, ensuring that top-tier medical care is always close at hand. Notably, Penn Medicine Princeton Medical Center offers advanced healthcare services, catering to a wide range of needs. This makes Princeton not just a beautiful place to retire but a safe and secure one as well. Attractions and Activities: Life in Princeton means immersing yourself in a world of culture and learning. You might spend your days at the Princeton University Art Museum, attending a lecture on campus, or simply enjoying a peaceful walk through the town’s meticulously maintained parks. With its rich blend of history, culture, and community, Princeton offers a retirement experience that’s as stimulating as it is serene.Hoboken
Just a stone’s throw from Manhattan, Hoboken offers a vibrant urban lifestyle with all the perks of small-town living. With its stunning views of the New York City skyline and a community that feels like family, Hoboken is an ideal place for retirees who crave both excitement and a close-knit community. Cost of Living Hoboken’s cost of living index of 140 — a city high in demand. But you do get the best of both worlds—quick access to the bustling energy of New York City and the warmth of a community that feels like home. For a bigger bang for your buck, you adopt a lifestyle that’s as dynamic as it is fulfilling. Climate and Weather Hoboken has 205 days of sunshine each year, with summers typically reaching 84°F. The city’s climate is perfect for outdoor dining along the Hudson or weekend strolls along the waterfront. Winters bring cooler temperatures, around 30°F, ideal for enjoying the cozy cafes and vibrant indoor cultural scene. Healthcare Facilities Hoboken’s 15 health centers offer comprehensive medical care to its residents. Hoboken University Medical Center, a key facility in the area, provides advanced healthcare services, and it’s right in your neighborhood. Attractions and Activities You’ll never run out of things to do in the bustling city. Whether it’s enjoying the local dining scene, catching a ferry to Manhattan for a Broadway show, or simply taking in the breathtaking skyline views, Hoboken offers a retirement lifestyle that’s both active and enriching. With a strong community spirit and endless opportunities for engagement, Hoboken is where urban excitement meets suburban comfort. In New Jersey, you can drive 20 minutes and go from a quiet suburb to a busy downtown or a true shore town, which makes it hard to tell where day-to-day life would actually feel right. Our New Jersey senior living directory brings those choices into one place so you can scan senior living options in New Jersey by care level, price range, and setting, instead of trying to piece everything together from separate searches.Cherry Hill
Cherry Hill is where suburban comfort meets urban convenience. Located just outside Philadelphia, this town offers a laid-back lifestyle with easy access to big-city amenities, making it a perfect choice for those who want the best of both worlds. Cost of Living Cherry Hill’s cost of living index of 120 provides a comfortable balance between affordability and quality of life. Here, you can enjoy suburban tranquility with the added benefit of being just a short drive away from the cultural and recreational offerings of Philadelphia. You can stretch your retirement budget while still enjoying a high standard of living. Climate and Weather With 200 sunny days each year, Cherry Hill experiences a climate that’s well-suited for outdoor activities. Summers reach a warm 87°F, perfect for barbecues and park outings, while winters, with temperatures around 29°F, offer a cozy setting for enjoying indoor events and local gatherings. Healthcare Facilities Cherry Hill is home to 10 healthcare centers, including the well-regarded Jefferson Health Cherry Hill Hospital. These facilities provide residents with reliable access to a high standard of healthcare. Attractions and Activities Cherry Hill offers a variety of activities that cater to retirees who enjoy both relaxation and adventure. You might spend your days exploring the nearby parks, enjoying the local shopping and dining, or taking a quick trip to Philadelphia for a taste of city life. Cherry Hill’s blend of suburban peace and urban proximity makes it a top choice for a balanced retirement lifestyle.Atlantic City
Known for its lively boardwalk, vibrant entertainment scene, and stunning beachfront, Atlantic City offers a retirement experience that’s as energetic as it is relaxing. Cost of Living With a cost of living index of 115, Atlantic City offers a more affordable retirement option without sacrificing the excitement and amenities of a coastal city. Here, you can enjoy a vibrant lifestyle by the beach, all while keeping your expenses in check. Climate and Weather Atlantic City enjoys a generous 220 days of sunshine annually, with summer temperatures averaging 85°F. The city’s warm climate is perfect for beach days and boardwalk strolls. Winters are mild, with lows around 39°F, allowing for year-round enjoyment of the city’s outdoor attractions. Healthcare Facilities Atlantic City includes eight healthcare centers, including AtlantiCare Regional Medical Center, which provides comprehensive medical services to the community. Attractions and Activities You can enjoy the best of what a coastal city offers in Atlantic City. Whether you’re trying your luck at the casinos, enjoying a concert at one of the many venues, or simply relaxing on the beach, there’s always something to do. With its lively atmosphere and endless entertainment options, Atlantic City is perfect for retirees who want to keep the fun going in their golden years.Montclair
Looking to settle down somewhere more quiet with just as much spirit and a culture scene? Look no further than Montclair — it has the best of cultural vibrancy and historic charm. Located just a short drive from New York City, Montclair offers a dynamic lifestyle that’s rich in arts, history, and community spirit. Cost of Living Living in Montclair might come with a higher price tag (cost of living index at 125), but the rewards are plentiful. Imagine a life where you’re surrounded by vibrant arts, historic architecture, and the energy of New York City just a short drive away. For retirees craving a lifestyle rich in culture and excitement, Montclair is an investment in a life well-lived. Climate and Weather Montclair experiences about 195 days of sunshine each year, with mild summers averaging 83°F. The town’s climate is perfect for enjoying outdoor festivals, exploring local parks, or simply soaking in the beauty of the historic neighborhoods. Winters bring cooler temperatures, around 28°F, creating a picturesque setting for the town’s cultural and social activities. Healthcare Facilities Montclair is home to seven healthcare centers, including Mountainside Medical Center, known for its comprehensive and high-quality services. Attractions and Activities Montclair’s rich cultural scene offers something for everyone. Whether you’re attending a performance at the Wellmont Theater, exploring the Montclair Art Museum, or enjoying a leisurely walk through the town’s charming streets, Montclair provides a lifestyle that’s both fulfilling and enriching. For retirees who appreciate the arts and a strong sense of community, Montclair is the perfect place to call home.Is New Jersey a Good Place for Retirees?
New Jersey, though one of the more expensive states to retire in, offers unparalleled access to both the sea and city, like New York City and Philadelphia. For retirees who want to maintain an active lifestyle, New Jersey provides a diverse range of options. Whether you're looking to stay close to cultural hubs like Broadway or enjoy the tranquility of seaside towns, New Jersey's unique blend of vibrant cities and serene suburban areas offers something for everyone. And the state's robust healthcare system, with numerous top-rated facilities are an easy guarantee that medical care is always within reach. But you do need to consider the higher cost of living, especially in areas like Hoboken and Princeton, which may require a larger retirement budget.Ready to Explore New Jersey Senior Living Options?
Property taxes, traffic, and access to New York or Philadelphia all play into where you land in retirement, but the community you choose will shape your daily routine more than the ZIP code alone. Our senior living directory for New Jersey makes it easier to compare senior living communities in New Jersey side by side, so you can quickly narrow a long list of towns to a few communities that make sense for your health needs, budget, and tolerance for big-city energy.Subscribe to Our Blog
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