Pennsylvania is full quaint towns, big cities, and affordable homes.

Rather than relocating to Florida or Arizona, many active adults choose to head off the beaten path and retire in the state of Pennsylvania. Some want to stay near their families, while others appreciate the amazing scenery, slower pace, and historical value of the 45,000 square mile state.

Pennsylvania has top-tier medical facilities that include VA hospitals, natural landscapes like mountains and farmlands, and the draw of major urban centers like Philadelphia, Allentown, Harrisburg, and Lancaster. The city of Lancaster has even been ranked as the second-best place to retire in the country.

Pennsylvania can also be surprisingly affordable, especially when it comes to taxes. For example, PA’s residents do not pay tax on retirement income. Pension income, withdrawn IRA, and 401k funds are all tax-exempt. The state’s flat tax rate is around three percent, the lowest in the entire country. Active adult community housing costs vary, but you can get into one of these appealing, affordable communities for under $150k.

Red Hill Estates - Red Hill

Below $100k - Low $100s

Perched just minutes from pastoral Green Lane Park and Reservoir and 20 minutes south of Allentown, Red Hill Estates is an established community of 260 single-family homes. Peace and quiet are two of the main themes in this 55+ neighborhood. The two ranch-style models range in size from approximately 1,120 to 1,493 feet and feature two to four bedrooms and two bathrooms. Upgrades in some models include eat-in kitchens, gas fireplaces, vaulted ceilings, large master suites, patios, and decks.

Red Hill Estates also offers a clubhouse and walking and biking trails to its residents. This community is also close to the downtown area, which has grocery stores, a library, and other shops. Nearby attractions include Macoby Run Golf Course and Bear Creek Mountain Resort, which offers excellent skiing, winter sports, fine dining, and an outstanding spa.

The Aspens - Lebanon

Low $100s - Mid $100s

The Aspens does not need a clubhouse because it is right next to Coleman Memorial Park, a recreational facility with tennis courts, a mini-golf course, an ice cream parlor, and nature trails. This intimate 55+ community consists of 58 resale, attached homes, all built from 1998 to 2004. They range in size from approximately 1,200 to 1,500 square feet, with two bedrooms, one-and-a-half or two bathrooms, and attached garages.

A homeowners’ association provides for snow removal and lawn mowing. Residents can head over to the Lebanon Valley Mall for shopping needs. Other nearby outlets include a Walmart Supercenter and the Lebanon Farmers Market.

Village of Buckingham Springs - New Hope

Mid $100s - High $200s

A desirable Bucks County location, nine floor plans, and a heated outdoor pool and spa all make Village of Buckingham Springs a great value for 55+ homeowners. Built from 1985 to 2001, it has 646 single-family, resale homes. They range in size from 1,056 to 1,680 square feet with two bedrooms, two bathrooms, and either off-street parking or attached garages. A homeowners' association fee includes common area maintenance, bus trips, and trash and snow removal.

Additional amenities in the clubhouse include a library, an exercise room, and billiards. Residents keep busy with social clubs for bingo, bridge, crafts, computers, poker, painting, and exercise. Groups also gather for ladies’ nights, dinner dances, and shopping trips. Charming downtown New Hope is a popular tourist stop. Other nearby attractions include Lookaway Golf Club, Doylestown, and Peddlers Village.

The Village at Upstream Farm - Easton

Mid $100s - High $100s

Residents of The Village at Upstream Farm describe their neighborhood as being affordable, private, and carefree. With 124 attached homes built from 2002 to 2009, it features three cozy, ranch-style models ranging from 991 to 1,180 square feet. Homes have one or two bedrooms, one or one-and-a-half bathrooms, and attached one-car garages. Some models also include dens.

There is a community clubhouse with an exercise room and activity rooms. Easton is part of Forks Township in the Lehigh Valley and has numerous attractions for all ages. The National Canal Museum offers seasonal canal boat rides while Easton’s State Theater puts on live concerts and Broadway shows like “Chicago.”