Outdoor pool and patio in Concordia in Monroe, NJ

Concordia is just one of several 55+ communities in Monroe offering homes under $150k.

It’s comforting to know that in this day and age, active adults can still find retirement communities with homes for sale under $150,000—and even in New Jersey. A top choice for affordable retirement is Monroe Township, which is located in Middlesex County.

Its central locale puts it close to New York City (46 miles), Philadelphia (56 miles), and Princeton (16 miles). This translates into access to cultural attractions, excellent schools, recreation, dining, shopping, and top-tier medical facilities like Penn Medicine Princeton Health and New York-Presbyterian.

In Monroe, residents have access to a wide variety of attractions. The active cultural arts commission sponsors trips and community theater. The township recreation department has programs for adults and seniors. There are attractions like Thompson Park Zoo and the Englishtown Flea Market in nearby Manalapan.

Monroe, NJ real estate can be on the higher end due to its prime location. Yet out of its 13 active adult communities, most have budget-friendly offerings. These four 55+ communities share much in common. They are all established, gated communities with numerous floor plans, affordable prices, and desirable amenities.


Mid $100s - Mid $400s

Concordia’s residents can’t say enough good things about their community. Most feel that the gated neighborhood has great curb appeal with mature trees and house groupings that are nicely spread out. It was built from 1982 to 2000 with 1,757 resale single-family, attached, and condo homes, a multi-million dollar clubhouse, and a championship 18-hole golf course.

Club Concordia is this community’s heart and soul. It has indoor and outdoor pools, a sauna, an aerobics studio, a modern fitness center, and activity rooms. The property also has walking trails, lighted tennis courts, shuffleboard, and bocce courts.

There’s always something going on, with homeowners spending time watching free movies, relaxing at yoga, attending singles group activities, and going to seminars and discussion groups.

The four condo models range from 951 to 1,650 square feet with two bedrooms, one to two bathrooms, and carports or one-car garages. The townhomes and ranch homes range from 1,058 to 1,600 square feet with two bedrooms, one-and-a-half to two-and-a-half bathrooms, and carports or garages.

The four single-family home models range from 1,500 to 1,700 square feet with two bedrooms, two bathrooms, and garages. These homes feature different options like dens, porches, patios, and walk-in closets. The homeowners’ association (HOA) fee includes trash and snow removal and common area maintenance.


Low $100s - High $300s

Clubhouse with well manicured landscape in Wittingham in Monroe, NJ

If you're looking for an affordable golf course community, look no further than Wittingham.

Smaller in size than the other choices here, Whittingham is a gated retirement community with 413 resale single-family, attached, and condo homes. It is located next to Greenbriar, and although these two communities have separate homeowners' associations, they share the same impressive clubhouse. Built from 1986 to 1994, Whittingham has affordable homes, a golf course, and resort-style amenities.

The 30,000-square-foot clubhouse provides residents with recreational opportunities. It includes an exercise room, the Tap Room restaurant, pickleball, tennis, and bocce courts. There are also indoor and outdoor pools, a ballroom, and activity rooms. Neighborhoods sign up for weekly events like Atlantic City trips, museum tours, Aquacise, yoga, line dancing, painting, and more.

There are nine floor plans with a wide variety of different features. The well-priced condos range from 1,200 to 1,400 square feet with two bedrooms, two bathrooms, balconies or porticos, and garages. Whittingham’s spacious townhomes come in four models, ranging from 1,680 to 1,930 square feet with two bedrooms, two-and-a-half bathrooms, dens, garden areas, and garages.

The three single-family models range from 1,140 to 1,280 square feet, with two bedrooms and bathrooms, and garages. The HOA fee includes snow removal and lawn care.

Rossmoor Village

Below $100k - Mid $400s

Its homey feel and New England-style charm attract home seekers from all over, and once they move in, they are here to stay. The biggest draw at Rossmoor Village may be its amenities, as it has an 18-hole golf course, health center, and full-time recreation department.

Built from 1965 to 1991, this gated 55+ neighborhood has 2,303 resale single-family, attached, and condo homes situated on 418 acres of prime Monroe real estate. The modern clubhouse houses a ballroom, kitchen, fitness center, craft studios, and two libraries.

Outside, there are courts for bocce, croquet, and tennis, plus a sparkling outdoor pool, sundeck, and RV parking lot. There are too many clubs and activities to list here, but rest assured that Rossmoor Village homeowners are not lacking in recreational opportunities.

With over 30 condo and attached floor plans, finding the ideal home is easy here. These low-maintenance abodes offer one or two bedrooms, one or two bathrooms, and carports.

The 11 single-family models have two bedrooms, two or two-and-a-half bathrooms, and either a garage or carport. These homes may have upgrades like hardwood floors, Florida rooms, and extra storage space. The HOA fee includes snow removal, exterior maintenance, and lawn care.


Low $100s - High $300s

tennis court in Clearbrook in Monroe, NJ

Indoor or outdoor, residents of Clearbrook always have something to do.

This friendly active adult community also has standout amenities, like a 9-hole golf course, a 1,000-seat cultural center/auditorium, and a health center. Clearbrook was built from 1972 to 1993 and there are 2,026 resale single-family, attached, and condo homes on this gated property.

This 55+ neighborhood also has its share of upscale perks at its clubhouse, like Olympic-sized swimming pools, saunas, a TV studio, activity rooms, and a fitness center. Residents can play pickleball, bocce, or tennis and walk on the winding walking path.

Some of the favorite activities here also include the singles club, strength training, the Catholic Society, Cultural Yiddish Corner, Qi Gong, and the Senior Olympics.

Clearbrook’s condo floor plans range from 520 to 840 square feet with one or two bedrooms, two bathrooms, and patios. The attached two-story models range from 1,420 to 1,720 square feet with one or two bedrooms, one-and-a-half to two-and-a-half bathrooms, dens, patios, and one-car garages.

There are also 21 single-family home models, from 700 to 1,530 square feet, with one or two bedrooms, one to two bathrooms, dens, patios, and carports or garages. The HOA fee pays for lawn care, trash and snow removal, and exterior maintenance.