View overlooking the northern end of Lake George in the Adirondack Mountains of New York

Active adults seeking affordable homes for sale in New York should consider these 55+ communities.

When you have a permanent “New York State of Mind,” you won’t want to settle for less than living in the Empire State. Whether it be close to New York City, out on Long Island, or closer to the Hudson River Valley, active adults love being close to the greatest city in the world yet far enough away for a little peace and quiet.

55places.com lists 75 active adult communities in New York, and homebuyers can find small and medium neighborhoods as well as larger communities that are like small towns. The most affordable ones have properties for sale under $200k, providing budget-friendly, quality homes with desirable amenities. Having a homeowners’ association (HOA) to take care of chores like lawn care and snow shoveling is another big plus.

Location is also of the utmost importance, so you’ll want to make sure that there are modern conveniences nearby for running errands and such. And to make the most of your leisure time, it helps to be near airports, natural recreation areas, golf clubs, restaurants, and shopping centers. You’ll also want to check for physician’s offices, treatment centers, and respected hospitals in the area.

We’ve taken all of this into account when putting together this list of active adult communities in New York selling homes for $200K and under. Here are three to pick from:

Jefferson Village - Yorktown Heights, NY

Low $100s - Mid $300s

Located in the Hudson River Valley, Jefferson Village is an inviting retirement community with the word “downsizing” written all over it. This established neighborhood of 1,000 condo units is in Westchester County by Route 6, just across from Jefferson Valley Mall. Another shopping option is the Cortlandt Town Center (4 miles away), which has a Walmart, a Home Depot, a Petsmart, and other shops and restaurants.

There are five floor plans ranging from 843 to 1,555 square feet with one or two bedrooms, one to two baths, and one-car garages. Features include private back patios, dens, updated bathrooms, decks, and eat-in kitchens; there's also extra street parking in the community. The reasonable HOA fee provides for water/sewer, common area costs, and exterior maintenance.

Located at the community clubhouse, the indoor amenities include an arts and crafts studio, a library, and a fitness center. Outside, you'll find tennis courts; an outdoor pool, spa, and patio; gardening plots; and a picnic area. Yorktown Heights is only about 15 miles from the Hudson River, and there are many beautiful spots here to enjoy year-round, like historic downtown Peekskill, Bear Mountain State Park, and Blue Mountain Park. If you need to visit a hospital, NewYork-Presbyterian Hudson Valley in the town of Cortlandt is one of the region’s best.

Learn more information about Jefferson Village here.

Greenwood Village - Manorville, NY

Below $100k - Mid $100s

If you’ve always dreamed of living on Long Island, we have two 55+ communities worth a look. The first is Greenwood Village, an established, gated neighborhood of 512 attached and single-family homes in Suffolk County. It's a land-lease community, meaning that homeowners pay additional monthly charges for their land. This is offset by the affordable home prices and low taxes.

The majority of dwellings here are single-family homes sized from 900 to 1,300 square feet with one to three bedrooms, one to two baths, and attached one-car garages. Extras may include granite countertops, Florida rooms, hardwood floors, and basements. The attached home models come in at around 1,100 square feet with two bedrooms, one bathroom, and attached one-car garages. The HOA fee covers lawn care and snow removal.

There are plenty of ways for homeowners to stay busy and connected with their neighbors, including a modern clubhouse with a great room, a catering kitchen, a wood shop, game rooms, and an exercise room. Warm weather pursuits include swimming at the outdoor pool, outdoor picnics, barbecues, and playing on the bocce ball and tennis courts. Greenwood Village also has an RV parking lot, walking and biking trails, and a community shuttle. There are many golf courses in the area, including Pine Hills Country Club, and the Long Island MacArthur Airport (domestic flights only) is just 20 miles away.

Learn more information about Greenwood Village here.

Leisure Village - Ridge, NY

Below $100k - Mid $200s

Also in Suffolk County, Leisure Village is less than five miles from the Long Island Sound beaches, and it has its very own 9-hole golf course and putting green. This established active adult neighborhood offers 1,500 resale attached homes with 11 floor plans. They have one to two bedrooms, one to two bathrooms, and either garages or street parking. Upgrades may include updated bathrooms and kitchens, and sunrooms.

The Leisure Village clubhouse is 25,000 square feet, and it has an outdoor pool, a fitness room, activity rooms, a ceramics studio, and a wood shop. You can also find bocce ball courts, walking and biking trails, and a gazebo on this lovely property. Well-attended group activities and events include the men’s club, book club, aerobics, the Women’s Guild, and the Players Club.

The town of Ridge is surrounded by state parks and preserves like Brookhaven State Park and Rocky Point State Forest, making for a beautiful, natural setting. Head west down Middle County Road a few miles and you’ll run into a dog park, shopping plazas, a Walmart, and Spring Lake Golf Club. Nearby medical centers include Peconic Bay Medical Center and Stony Brook.

Learn more information about Leisure Village here.