Exterior view of the clubhouse at Village of Buckingham Springs in New Hope, Pennsylvania

If you're searching for homes for sale under $175k, the Philadelphia area has several excellent options.

If you’re ready to retire but you're concerned about budget constraints, there are more affordable options these days than ever before. Take the Philadelphia area, for example. You might think that housing costs are high because it’s a metropolitan region, but that’s only partially right. Some of its surrounding counties like Montgomery and Bucks have inviting active adult communities with homes for sale below $175k.

Along with these affordable prices come some desirable perks like clubhouses, social groups, and highly sought-after zip codes near quality health care, outdoor recreation, and public transportation. Plus, if you want to drive into Philly (or New York City), it’s doable for a day trip or a long weekend.

The four communities described below also have active homeowners’ associations (HOA) that charge reasonable monthly fees for community services like lawn care and clubhouse membership. Here's a look at what else these communities have to offer.

Manatawny Village - Pottstown, PA

High $100s - Low $200s

Although Manatawny Village began construction in 2005, new properties are still being built here, and there will be 153 new and resale attached homes when work is finished by Leading Edge Development Group. The three floor plans range from 1,056 to 1,948 square feet with two bedrooms, one-and-a-half or two bathrooms, and attached one- or two-car garages. Features may include lofted second levels, basements, decks, hardwood flooring, and fireplaces.

Manatawny Village also has a reasonable monthly homeowners’ association (HOA) fee in place for lawn maintenance, snow removal, and exterior building maintenance. Plans are also underway for a community clubhouse, which will be the perfect gathering place for club meetings and special events.

Downtown Pottstown is a few minutes away, and it has countless restaurants, churches, shops, a Walmart, the TriCounty Active Adult Center, dog parks, and a riverfront park along the Schuylkill River Trail. Area hospitals include Pottstown Hospital and Phoenixville Hospital.

Learn more information about Manatawny Village here.

Centennial Station - Warminster, PA

Below $100k - High $200s

If downsizing is more your speed, Centennial Station offers 410 resale condos completed in 2000. Residents appreciate the convenience of its on-site Professional Center, which has a bank, a hair salon, a restaurant, and a dentist. There’s also a private clubhouse with its own ballroom, catering kitchen, indoor pool, exercise room, arts and crafts studio, shuffleboard court, and tennis court.

The units are sized from 456 to 1,412 square feet with studio or two-bedroom floor plans. Extras may include granite kitchen countertops, laminate flooring, and updated kitchens. The HOA fees provide for snow removal, common area maintenance, and the community’s landscaping.

Neighborhood clubs and activities include bingo, ceramics and dance classes, arts and crafts, water aerobics, and bingo. This friendly 55+ community is close to Street Road, which takes you into the center of Warminster. Along the way, you’ll pass community parks, a Walmart Supercenter, a Costco, restaurants, pharmacies, and banks. Continue a bit farther north, and you’ll find the Warminster Town Center, Five Ponds Golf Course, a bowling alley, a Target, and a Wegmans; the list goes on and on.

Learn more information about Centennial Station here.

Village of Buckingham Springs - New Hope, PA

High $100s - High $200s

New Hope is one of PA’s most charming towns, and Village of Buckingham Springs is only a few miles from the town’s center. This retirement community was built from 1985 to 2001, and it has 646 resale single-family homes with nine floor plans. They range from 1,056 to 1,680 square feet with two to three bedrooms, two bathrooms, and either an attached garage or off-street parking.

Some of these homes have options like eat-in kitchens, wood-burning fireplaces, decks, and luxury bathrooms with soaking tubs. The HOA fee includes trash and snow removal, common area maintenance, and use of the community bus and clubhouse. The latter has a heated outdoor pool and spa, an indoor bocce ball court, an exercise room, a ballroom, plus space for community groups like computer club and exercise classes to meet. Homeowners also enjoy spending quality time together at ladies’ nights out, casino trips, painting classes, and dinner dances.

Learn more information about Village of Buckingham Springs here.

Creekwood Village - Schwenksville, PA

Below $100k - High $100s

And now we arrive at Creekwood Village, a tight-knit active adult community with 80 resale single-family homes completed in 2003. These cozy ranch-style homes range from 1,000 to 1,800 square feet with two to three bedrooms, two bathrooms, private outdoor areas, and attached one- or two-car garages. Updates and extras may include ceramic floors, custom window treatments, gas fireplaces, intercom systems, and tray ceilings. The HOA fee covers trash removal and common area maintenance.

Popular community activities include ladies’ water aerobics, coffee & donuts, and bingo. You’ll find some of these taking place at the private clubhouse, which offers an outdoor pool, a multi-purpose room, and a catering kitchen. And if you’re not familiar with Schwenksville, it’s a small borough about an hour’s drive north of Philly. Residents can get involved by joining its Women’s Club and attending community events like outdoor concerts and holiday festivals.

The great outdoors holds center court here, with golf courses like Lederach and Turtle Creek nearby. Central Perkiomen Valley Park and Evansburg State Park are also easy to get to, and more relaxing pursuits include day trips to Quakertown or the Berman Museum of Art. Schwenksville is also about 20 minutes from Pottstown.

Learn more information about Creekwood Village here.