Tranquil scenes like this can be steps away at these affordable 55+ communities in Monmouth County, NJ.

Active adults who live in Monmouth County, New Jersey are lucky to be in one of the most sought-after regions in the state. Its 36 different 55+ neighborhoods vary widely in price, with the most affordable being around $100k and the most expensive hovering around a million.

Even if you aren’t planning to move into a resort-style community with a luxurious clubhouse, Monmouth has pristine parks like Gateway National Recreation Area, dozens of beach towns like Asbury Park and Sandy Hook, 15 public golf courses, including the outstanding Gambler Ridge Golf Club, farmers markets, wineries, fabulous shopping, and theaters. You can achieve a resort-like lifestyle at lower price points. Here are some of the most reasonably priced active adult communities in Monmouth County.

Marlboro Greens - Englishtown

Low $100s - Low $200s

This well-established community of 341 attached and condo homes have the affordable, low-maintenance lifestyle that 55+ homeowners love. Englishtown is ideally located near historic Monmouth Battlefield State Park, Freehold Mall, and major highways like the Garden State Parkway and Interstate 195.

The cozy condos in Marlboro Greens are sized from 1,080 to 1,332 square feet and come in four floor plans. They have one or more bedrooms, one-and-a-half bathrooms, and a garage space or an assigned parking spot. Some units also have dens. The townhomes also come in four models, ranging from 1,200 to 1,508 square feet. These have two to three bedrooms, two-and-a-half to three baths, and a one-car garage or an assigned parking spot.

The community clubhouse has an exercise room, activity rooms, a library, an outdoor pool, tennis courts, and a playground for the little ones. A reasonable homeowners' association HOA  fee covers lawn care and snow removal, and according to one homeowner, they do a great job. 

Covered Bridge - Manalapan

Low $100s - Low $200s

Homebuyers seeking affordable homes can look to Covered Bridge, a large 55+ community of 1,557 condo and attached residences. Built from 1972 to 1982 by K. Hovnanian on 254 acres of farmland, it has two condo associations, Covered Bridge 1 and Covered Bridge 2. This neighborhood is in walking distance to a New York City bus service, while a community bus is also provided.

The comfortable condos range from 978 to 1,130 square feet with two bedrooms and bathrooms and assigned parking spots out front. The townhomes are 1,143 square feet and have two beds, two baths, and assigned parking. Each association has its own clubhouse, each features exercise rooms, activity rooms, lounges, and more. There is also an outdoor pool, tennis, horseshoes, gardening plots, and a picnic area. Residents also enjoy discounted rates to Pine Brook Golf Course, a par-61, 18 hole executive course.

Shadow Lake Village - Red Bank

Low $100s - Mid $300s

Shadow Lake Village offers a lakeside setting, and affordable living within a gated, established community. There are 952 attached homes built from 1972 through 1980. The townhomes come in 27 floor plans that range from 1,021 to 1,391 square feet, with one to two bedrooms and bathrooms, and a garage or parking spot. An HOA fee covers landscaping, snow and trash removal, and the shuttle. In addition to a vibrant clubhouse, this 55+ community has its own 9-hole golf course, outdoor pool, sauna, tennis, walking and biking trails, a lake for fishing and boating, plus a community bus. Shadow Lake is just minutes from downtown Red Bank, which has a farmers market, the Two River Theater, plus restaurants and shopping.

Surrey Downs - Freehold

Mid $100s - Mid $200s

Situated just one mile east of Route 9, Surrey Downs is a mid-sized, mature community of 443 single-family homes. Built from 1986 to 1997, these homes feature one to two bedrooms and bathrooms. Upgrades include Florida rooms, gourmet kitchens, decks, and porches or patios. An HOA fee provides for exterior maintenance, landscaping, plus snow and trash removal.

The popular clubhouse has a fitness center, Jacuzzi, library, and activity rooms. Groups gather here for Bingo, billiards, cards, and scrabble. There is also an outdoor pool, tennis, bocce, and a community shuttle. Asbury Park is only about 15 minutes away, other close attractions include Freehold Mall and Raintree Golf Course.