Townhouses and condos lining a walkway in Weehawken, New Jersey

If you want to downsize in New Jersey, here's where to do it.

Northern New Jersey is a study in contrasts. The very top of the state comes to a point, up near Interstate 84, and there's quite a bit of open space in the form of beautiful state parks like High Point and Wawayanda. Also, the area's western border meets the Delaware Water Gap National Recreation Area.

Head towards the east and you'll run into more developed areas and large cities like Newark and Paramus as you move closer to The Big Apple. Active adult homebuyers considering Northern New Jersey real estate have the luxury of choosing from communities that might be in or near a metropolitan area, close to a lake or river, or in the mountains. With so much to choose from, how do you make a decision?

Price is one of the most important considerations, and homes here can run into the millions, but some homebuyers will be happy to know that there are other choices as well. Many retirees prefer to downsize to condos in order to reduce their costs and enjoy a low-maintenance lifestyle. No matter what your budget is, these four communities offering condos cover most price points.

Horizons at Mount Arlington - Mount Arlington, NJ

High $200s - Mid $300s

Horizons at Mount Arlington is a tight-knit, established active adult community that was built near-pristine Berkshire Valley Wildlife Management Park in Morris County. Its 144 resale condos are offered in two floor plans, ranging from1,467 to 1,867 square feet with two bedrooms, two bathrooms, dens, and underground garage parking. Upgrades may include granite countertops, hardwood floors, and cherry cabinets.

The private clubhouse provides outdoor amenities like bocce, shuffleboard and tennis, along with a lovely pool and patio. Inside, you can find an exercise room, a catering kitchen, a meeting room, and billiards. It also serves as a meeting place for holiday parties, ice cream socials, brunches, and card games. During the warmer months, the outdoor pool comes alive with water volleyball games and water aerobics.

This 55+ neighborhood also has the advantage of being close to Lake Hopatcong, so homeowners can enjoy boating, fishing, and other water activities. There are several yacht clubs, including Lake Forest Yacht Club and Lake Hopatcong Yacht Club. Local shops and services include Walmart, Shoprite, Weis Markets, CVS, and Petco.

Four Seasons at Wayne - Wayne, NJ

Low $300s - Low $400s

Less than 20 miles from New York City, Wayne, New Jersey is known for William Paterson University and High Mountain Reserve Park. Completed in 2001, Four Seasons at Wayne is an upscale 55+ community of 230 condos divided into 14 elevator-access buildings. The units offer two bedrooms, two bathrooms, nine-foot ceilings, and two parking spots for each unit within an enclosed garage.

The welcoming clubhouse has a fitness center, an outdoor pool, tennis and bocce courts, and a large gathering room. There are also biking and walking trails on the property for residents to explore. Wayne is in Passaic County, which has many landmarks for active adults to discover, like the American Labor Museum in Haledon and the Clifton Arts Center & Sculpture Park. For a fun day of shopping, you can head over to Pompton Lakes, which has a charming downtown area with nice restaurants.

Del Webb Florham Park - Florham Park Borough, NJ

Mid $600s

Our second Morris County active adult community on this list is Del Webb Florham Park, a luxury condo development that features 242 new condo, attached, and single-family homes. Builder Del Webb broke ground on this property about a mile from Fairleigh Dickinson University a year ago, and plans call for 15 models.

The nine condo floor plans start at 1,388 square feet with one to two bedrooms and bathrooms. The Carriages attached homes are offered in three floor plans, generously sized from 2,142 to 2,421 square feet with two to four bedrooms, two to three bathrooms, and attached two-car garages. All homes will have open floor plans, modern kitchens, and flex spaces. The Manors single-family homes are offered in two floor plans, ranging from 1,676 to 2,026 square feet with two to four bedrooms, two or three bathrooms, and attached two-car garages. Exclusive features like gourmet kitchens, flex space, and open floor plans make these homes stylish and comfortable.

There will be an on-site lifestyle director to organize events, clubs, and classes for residents and to ensure that they can be as involved with the community as they wish to be. The state-of-the-art clubhouse will have an indoor pool and fitness center, plus activity rooms, while the outdoor area will have a refreshing pool, gardening plots, tennis and pickleball, and a fire pit to warm up cool evening activities. Local points of interest include Morris County Golf Club and Morris Museum.

Bald Eagle Commons - West Milford, NJ

Below $100k - High $200s

Our most affordable pick is Bald Eagle Commons, a gated active adult community in Passaic County that was built from 1995 to 2005. It has 463 resale condo and attached homes, with the majority being condo units. These come in four models, sized from 655 to 1,581 square feet with one or two bedrooms, one to two bathrooms, open layouts, private patios, storage units, and assigned parking spots in front of the buildings. These condos boast private patios, open layouts, storage units, and some have wood floors. The attached homes are over 2,000 square feet with two or three bedrooms and bathrooms as well as attached one-car garages. Options may include hardwood floors, fireplaces, and breakfast nooks.

The community clubhouse, Grange Hall, has stellar indoor and outdoor amenities. Off-site, the northern part of West Milford is adjacent to the New York border, and this is an especially scenic area, with landmarks like Greenwood Lake and Sterling Forest State Park. There are nearby conveniences as well, including grocery stores, restaurants, pharmacies, and other services under two miles away.