The state capital building of Pennsylvania surrounded by historic builds in Harrisburg

Harrisburg offers an affordable retirement amongst history and a fun downtown.

It may be the capital of Pennsylvania, but Harrisburg has more of a welcoming small-town feel that you won’t find in other large cities. In addition to having a thriving downtown area, it is broken into four unique neighborhoods, which are all walkable and friendly.

Many boomers are choosing to settle in Pennsylvania because it's tax-friendly for retirees and the cost of living in Harrisburg is 6.7 percent below national average. Many active adults are able to find affordable homes for sale in Harrisburg, and pay fewer taxes.

The city itself is located on the Susquehanna River near the Appalachian Trail, affording residents beautiful views and endless opportunities for outdoor recreation. The Harrisburg area also boasts many top-rated golf courses, like Regents' Glen Country Club and Iron Valley Golf Club.

This region is also known for its stellar museums, farmers markets, restaurants, and shops. For medical care, Geisinger Holy Spirit Hospital and UPMC Pinnacle are two of the best choices.

So, if you’re not sold on Harrisburg yet, here are a few of its lowest-priced active adult communities.

Amesbury - Harrisburg

High $100s - High $200s

Amesbury is the only community that is right in the city, offering residents all the advantages of being closest to the action. Upon completion, there will be 106 new and resale attached homes. The three models range from 1,627 to 2,247 square feet, with two to three bedrooms, two-and-a-half-bathrooms, and attached garages. Options include porches, lofts, basements, and patios.

This 55+ neighborhood does not have a clubhouse, but it is right next to the Lower Paxton Township Friendship Center, where residents may join and enjoy the fitness center and swimming pool. Amesbury is also close to Jonestown Road, which is lined with shops, restaurants, and services.

There are also quite a few excellent golf facilities in the area, like Colonial Golf and Tennis, Sportsman’s Golf Course, and The Meadows Mini Golf to enjoy with the grandkids.

Creek View - Carlisle

Mid $100s - High $100s

Carlisle is situated about 32 miles west of the city in Cumberland County and has a population of under 20,000. This historic, peaceful town has tree-lined streets, well-maintained homes, thriving local businesses, and is home to Dickinson College and Creek View, a budget-friendly active adult community.

It will have 305 resale single-family homes upon completion, featuring a total of 18 floor plans. These are sized from 1,202 to 1,750 square feet, with two to three bedrooms, two bathrooms, and attached one-car garages. All models feature first-floor master suites, and upgrades may include dens and porches.

The private clubhouse has a large multipurpose room where homeowners gather for planned events like potlucks and Wii competitions. There is also an outdoor barbecue area with gas grills, an R.V. parking area, and a fishing pond on the property. Homeowners have the option of three maintenance packages which are offered to cover snow removal, landscaping, and lawn care.

The Pond at Fulling Mill - Middletown

Low $200s - Low $300s

Middletown is just nine miles outside of Harrisburg, affording residents an easy commute to landmarks like The National Civil War Museum the Susquehanna Art Museum, and pretty Wildwood Park. When heading into the city for errands is not an option, there are nearby grocery stores like GIANT, a Target, and a Walmart Supercenter about 10 minutes away.

The Pond at Fulling Mill is a new 55+ neighborhood that will have 83 new, attached homes on this 16-acre property when it is finished.

Plans call for new townhomes, California quad attached homes, and duplexes, all with thoughtfully designed floor plans that include low-maintenance exteriors and first floor master suites. There will also be a private community center built on the property.

Traditions of America at Silver Spring - Mechanicsburg

Mid $200s - High $300s

With a family-friendly vibe and a real sense of community, Mechanicsburg is a good place for active adults to call home. It's about 11 miles west of the Susquehanna and Harrisburg, with plenty of stores in town, including a Wegman’s, bakeries, and auto shops. The two closest golf courses are Rich Valley Golf and Armitage Golf Club, which are both minutes away.

You can find new and resale attached and single-family homes at Traditions of America at Silver Spring, where there will be a total of 517 residences with 13 floor plans. The attached garden homes range from 1,261 and 1,883 square feet, with two bedrooms, two baths, and attached two-car garages. There are also single-family homes on offer.

The shining star of this 55+ community is its modern clubhouse, where you can find a catering kitchen and banquet room, a cafe and theater, a fitness center with locker rooms, saunas, and indoor spa and exercise studios, and a heated outdoor pool. There are over 30 clubs and activities, including parties, concerts, and planned trips, so finding something that meets your interest will be easy.