7 Best Towns In New Jersey For Retirees
New Jersey might not be the first state that comes to mind when considering retirement destinations, but it should be. The Garden State is home to many small towns that offer a winning combination of charm, affordability, strong community spirit, and excellent healthcare access. One of the biggest perks for retirees? New Jersey does not tax Social Security benefits, and those 62 and older with moderate incomes can exclude a significant portion of their pension and retirement income from state taxes.
Beyond the financial advantages, New Jersey’s location is a significant plus. You’re never too far from big-city amenities, with New York City and Philadelphia within easy reach. Whether you prefer riverfront strolls, walkable historic districts, or scenic countryside views, a New Jersey town fits the bill. Let’s explore seven of the best small towns across the Garden State, perfect for retirees looking to enjoy their golden years in comfort and community.
Phillipsburg
Phillipsburg sits right along the scenic Delaware River and offers a charming, small-town lifestyle that blends history, nature, and community, making it an inviting place to retire. The town has a relaxed, friendly pace, and walking through its historic downtown feels like stepping back into a simpler time. You'll find locally owned shops, cozy diners, and pleasant sidewalks perfect for a morning stroll or an afternoon coffee break. La Bella Via is a local favorite serving homemade Italian dishes that will surprise and delight the senses.
Phillipsburg’s rich railroad legacy is hard to miss, especially with the Phillipsburg Railroad Historians Museum preserving its industrial roots. You can even hop aboard the Delaware River Railroad Excursions for a scenic ride along the water, perfect for entertaining the grandkids or simply enjoying a unique afternoon out.
Healthcare access is a major plus here. St. Luke’s Hospital-Warren Campus is right in town and offers a full range of medical services with a reputation for quality care, making it a reassuring presence for retirees. With a median home listing price around $275,000 (according to Realtor.com) and a cost of living lower than many other parts of New Jersey, it’s an excellent spot for those looking to stretch their retirement income. And with Pennsylvania just across the bridge, charming towns like Easton and Bethlehem are perfect for weekend exploring.
Hammonton
Hammonton, affectionately known as the "Blueberry Capital of the World," is a picturesque small town that retirees often love for its unique blend of natural beauty, vibrant community, and rich agricultural heritage. Nestled in southern New Jersey, Hammonton enjoys sprawling blueberry farms and lush vineyards, which create a peaceful, rural atmosphere perfect for slowing down and savoring the simple pleasures of retirement.
Wharton State Forest is just a short drive away for those who enjoy the outdoors, offering miles of hiking trails, canoeing opportunities, and spots for fishing or birdwatching. It’s an easy way to stay active and connected to nature. If wine tasting is more your speed, local wineries like Plagido’s and Amalthea (just north of town in Atco) are great for sampling handcrafted vintages without the hassle of traveling far.
Hammonton also boasts a welcoming arts scene centered around the historic Eagle Theatre, which features regular performances, concerts, and community events. Retirees will appreciate the dedicated Hammonton Senior Center, which offers a variety of programs such as fitness classes, social gatherings, and educational workshops designed specifically for older adults. It’s a wonderful place to meet neighbors and build friendships.
AtlantiCare Regional Medical Center anchors healthcare access, just west of town in Galloway, while local clinics provide comprehensive medical care. With a median home listing price near $399,000, Hammonton offers affordability without sacrificing charm or convenience. Whether you’re strolling through town festivals or enjoying the quiet countryside, Hammonton has a welcoming vibe that makes it a top pick for retirement in New Jersey.
Vernon Township
Vernon might be the perfect spot if you dream of an active retirement surrounded by natural beauty. Nestled in Sussex County in the state's northwestern corner, Vernon is known for its scenic landscapes and year-round outdoor activities, making it a haven for retirees who love to stay engaged with nature.
During winter, Vernon is home to Mountain Creek Resort, a popular ski area offering slopes for all skill levels and plenty of opportunities to socialize with fellow outdoor enthusiasts. When the snow melts, the resort transforms into a mountain biking and hiking playground, keeping things fun and active through every season. Additionally, the nearby Wawayanda State Park boasts miles of hiking trails, serene lakes for kayaking, and picnic spots where you can relax and soak in peaceful surroundings.
Despite its wealth of outdoor recreation, Vernon remains affordable compared to many other New Jersey towns, with a median home listing price of just over $329,000. This combination of affordability and lifestyle options makes it particularly attractive to retirees who want more bang for their buck without sacrificing quality of life.
While Vernon is a small community with limited in-town medical facilities, nearby towns like Newton and Sparta offer quality healthcare services. Newton Medical Center, about 30 minutes away, provides comprehensive medical care and specialized services that make it easy to access healthcare when needed.
Pennsville Township
Sitting along the Delaware River in Salem County, the small town of Pennsville offers peaceful surroundings, low housing costs, and easy access to both Delaware and Philadelphia. One of the biggest draws for retirees is the natural setting. Riverview Beach Park is the town’s crown jewel—a beautiful waterfront park with walking trails, picnic areas, and scenic benches overlooking the river. It’s perfect for daily walks, birdwatching, or catching a golden sunset. The town is also close to Supawna Meadows National Wildlife Refuge, where nature lovers can enjoy miles of quiet trails and stunning wetland views. History buffs will enjoy Fort Mott State Park, built to protect travelers along the Delaware River.
Healthcare access is close by and reliable. Cooper Primary Care can handle routine needs, while hospitals in Wilmington and Camden are within reasonable driving distance for more advanced care.
With a median home listing price around $275,000, Pennsville is one of the most budget-friendly towns in New Jersey. If you’re looking for a relaxed, riverfront community where your retirement savings go further, Pennsville could be your perfect place to settle down.
Pittsgrove Township
With its picturesque farmlands, scattered lakes, and wooded areas, Pittsgrove offers a peaceful and affordable slice of country life. Outdoor lovers will appreciate Parvin State Park, a local favorite for hiking, kayaking, birdwatching, and scenic lakeside picnics. Whether you're walking forested trails or casting a line at Thundergust Lake, the area's natural beauty is a daily highlight.
Although spread out and quiet, Pittsgrove still fosters a strong community connection. An active local senior group offers social lunches, bingo nights, and community gatherings. Neighboring towns like Vineland and Bridgeton host additional senior services, wellness programs, and recreation options.
Regarding healthcare, residents have convenient access to Inspira Medical Center Vineland, just a 15-minute drive away. The hospital is part of the highly regarded Inspira Health Network and provides various services, including outpatient care, cardiology, and rehabilitation.
With a median home price around $402,000, Pittsgrove is a town where you can enjoy a slower pace, friendly neighbors, and the quiet beauty of nature, all while knowing top-tier healthcare and amenities are close by.
Barnegat Township
If retirement means a laid-back, coastal lifestyle without the sky-high price tag, Barnegat should be on your radar. Located in Ocean County along the Jersey Shore, this coastal community offers the perfect blend of seaside serenity, suburban comfort, and small-town friendliness.
Barnegat Bay Beach is a peaceful spot for sunrise walks, gentle breezes, and stunning views across the bay. For those who love boating or fishing, the nearby Barnegat Township Municipal Dock is a go-to place to cast a line or launch a small vessel. And the Edwin B. Forsythe National Wildlife Refuge, just minutes away, provides endless opportunities for birdwatching and nature walks.
Barnegat is near Southern Ocean Medical Center, part of the Hackensack Meridian Health network. The hospital provides a full spectrum of services, including cardiology, orthopedics, and geriatric care. With a median home listing price of around $520,000, Barnegat is near the state's median home price. It’s perfect for retirees who want coastal living without the chaos of more populated communities.
Delanco Township
Delanco is one of those quiet New Jersey towns that often fly under the radar, but that’s precisely what makes it so appealing for retirees. With a welcoming atmosphere, scenic river views, and an easygoing pace, it offers a lovely setting for those ready to enjoy life at a gentler rhythm.
The town has lovely tree-lined streets, riverfront walking paths, and a peaceful residential vibe. If you enjoy a morning walk, Pennington Park offers trails, wildlife watching, and spots to sit and soak in the views. This 140-acre park has a beautiful meadow that comes alive during the summer with butterflies nd other insects flitting among the native wildflowers.
The town may be quiet, but it’s well-connected. Just a short drive takes you to shopping and dining in nearby Delran and Moorestown, and the River Line light rail makes getting to Camden or Trenton a breeze. Plus, Delanco's small but active community hosts regular township events and senior gatherings throughout the year.
Healthcare is close and accessible. Virtua Willingboro Hospital and Cooper University Health Care locations are just a short drive away, offering everything from routine visits to specialized senior services. With a median home price around $344,900, Delanco offers incredible value for retirees looking to stretch their savings without sacrificing comfort or connection.
Conclusion
Whether you enjoy Pittsgrove's lakeside tranquility, Phillipsburg's riverside views, or Barnegat's shore breezes, a small New Jersey town is waiting to welcome you home. Each community featured here offers a unique personality, access to medical care, and opportunities for staying active and connected. Retirement is about finding the right pace, and these towns make it easy to slow down and truly enjoy the moment.
So, if you're looking for a blend of community warmth, tax-friendly policies, and manageable home prices, don’t overlook New Jersey. You might find that the perfect retirement setting has been right here all along.
