The State of Pennsylvania is known to have a retirement-friendly reputation because of its lower taxes; not only does PA not tax retirement income like IRAs and social security, their income tax rate is 3.07 percent and the sales tax is six percent. This along with affordable home prices (more about that shortly) contributes to an affordable cost of living for residents. Though you won’t find inexpensive homes in the wealthiest suburbs outside of Philadelphia, there are more than enough budget-friendly active adult communities in some of the smaller ones, plus elsewhere throughout PA. Here are five must-see neighborhoods that all have homes for sale under $200k – and how about these prices!
Below $100k - Mid $100s
Low-key and located just five miles from Macoby Run Golf Course, Red Hill Estates is a charming active adult neighborhood with just 260 resale single-family homes. The two affordable floor plans are sized at 1,120 and 1,493 feet, and offer three to four bedrooms and two bathrooms. Some of these cozy homes feature rear decks, front patios, roomy master suites, gas fireplaces, and vaulted ceilings. Taxes are low, and homeowners also pay a reasonable monthly homeowners’ association (HOA) fee to cover exterior home maintenance and sidewalk repairs.
Red Hill Estates has a small community clubhouse for social gatherings, and there are walking and biking trails and natural space on the property. Green Lane Park and Reservoir is about five minutes away and has camping, boating, and fishing facilities. Allentown is about a 30-minute drive, and there is a Redner’s Warehouse Market, Walmart Supercenter, Weis Markets, plus hair salons, pet stores, restaurants, and everything else you might need close to Red Hill.
Below $100k - Mid $100s
If you’re looking for an up-and-coming area in PA to retire that has an exciting cultural scene and beautiful outdoor attractions, Pittsburgh could be just the ticket, and Beacon Hill is a new place to call home. This impressive resale condo community has 343 units, and the standard models range from 1,140 to 1,610 square feet with two to three bedrooms and one-and-a-half to three baths. Some models have decks, garages, and fully equipped kitchens.
Although Beacon Hill is not an age-restricted community it is designed for active adult living, with an HOA association, a friendly clubhouse with a multi-purpose room, and an outdoor pool and patio. This complex is just 10 miles outside of down Pittsburgh, and even closer to shopping outlets like Whole Foods, Shop n’ Save, ALDI, CVS, and TJ Maxx.
Below $100k - High $100s
Here is another mid-sized condo community with no age restrictions, located less than 10 miles from the heart of Philadelphia. Park Plaza Condominiums is surprisingly affordable given its desirable location and the 20 floor plans range from 578 to 1,867 square feet, with one to three bedrooms and one to two baths. Their HOA fees include basic cable, fire insurance, and utilities. Homeowners take advantage of the fully-equipped gym, indoor and outdoor pools, and tennis court. There is also a concierge, 24-hour on-site security, and a doorman, and each condo has a secure outdoor parking space (indoor parking may be available for an added fee).
Living at Park Place means close access to the best that Philly has to offer, including Lincoln Financial Field, the Philadelphia Art Museum, Jefferson University Hospital, and the Philadelphia Zoo. Outdoor attractions include Fairmount Park, Ridley Creek State Park, and Bala Avenue Park. If you are a golfer, the Walnut Lane Golf Club and Juniata Golf Club are not far away. You can walk to the Fresh Grocer, and within a mile of the property there is a Dunkin’ Donuts, Target, and an Acme.
Low $100s - Low $200s
Moving out towards the middle of PA we find Country Manor, a friendly 55+ community of 130 resale single-family homes. The nine models range from 1,230 to 1,876 square feet, with two to three bedrooms, two baths, front porches, spacious master suites, and attached garages. Country Manor’s private clubhouse has an exercise room, library, and a multi-purpose room with a catering kitchen. Outside, you will find the shuffleboard courts, a fully stocked fishing lake with a gazebo, and walking & biking trails.
This quiet, gated community is not far from Route 81, the two closest medical providers are Carlisle Regional Medical Center and Summit Health, and there are numerous shopping centers, houses or worship, restaurants and golf courses (including Piney Apple) in the area.
Low $100s - Low $300s
Back to the Philadelphia area for our last PA community with homes for sale under $200k: Green Hill Condominium is about 20 minutes from Center City, on a gated property with 543 resale condos. These range from 910 to 1,910 square feet, with one to three bedrooms and bathrooms. Look for desirable features like large bedrooms, floor-to-ceiling windows, large closets, and galley kitchens in these modern units. The building offers 24/7 security, storage, and a shuttle service to local stores and public transportation, the property also has indoor and outdoor pools and private banquet rooms.
Green Hill’s HOA fee includes basic cable TV and utilities; ask about any other fees that may apply. There is a GIANT Food Store, ALDI, and CVS in the area, and the two of the closest medical facilities are Bryn Mawr Hospital and Temple University Hospital.