View from a beach of the lighthouse at Montauk Point in New York

Though Long Island can be an expensive area, these active adult communities have homes priced at $350k and under.

Before Long Island became a retirement and vacation destination, it was inhabited by Native American tribes and settled by people from around the world. In fact, Western Long Island was settled by Dutch immigrants, and Eastern Long Island was settled by Massachusetts Puritans. As the years passed, the island’s breathtaking scenery attracted wealthy settlers who built lavish estates; these have since turned into parks, museums, golf courses, and residential properties.

Nowadays, Nassau and Suffolk County are among the most expensive regions to live in this country, but you don’t have to spend your entire life savings to purchase a tasteful home here. And no matter where you buy, you'll be near beaches, nature preserves, golf courses, theaters, grocery stores, and medical offices. Though it does get cold in the wintertime, at these price points, you may be able to turn into a snowbird with a second home in a warmer climate.

Here are four Long Island communities with homes for sale in the $350k range.

Country Village Estates - Coram, NY

Low $200s - Mid $300s

Geared towards downsizing, the gated and established 55+ community of Country Village Estates is perfectly situated in the middle of the Island. Northern beaches like Sound Beach and southern ones like Fire Island provide a nice variety of outdoor recreation. Plus, there are nearby parks like Rocky Point.

This tight-knit neighborhood was completed in 2001 with 195 resale attached homes, just minutes from a grocery store, a Home Depot, restaurants, and convenience stores. The five floor plans range from 1,200 to around 1,400 square feet with one or two bedrooms, two bathrooms, eat-in kitchens, open floor plans, and attached one-car garages. Extras may include full basements and new appliances. A reasonable homeowners’ association (HOA) fee provides for certain community services.

For a smaller community, Country Village has some nice amenities like a community transit bus. There’s also a private clubhouse with a gathering room, a ballroom, and an exercise facility. Outside, you'll find shuffleboard and bocce ball courts as well as an outdoor pool and walking trails.

Learn more information about Country Village Estates here.

Leisure Glen - Ridge, NY

Low $200s - Mid $400s

Here's an affordable, gated retirement community built from 1985 to 2010 with 646 resale attached and single-family homes. It's nestled in between two state forests, and it's less than three miles from the northern beaches.

Leisure Glen’s five attached models are sized from 1,140 to 1,635 square feet and offer two bedrooms, two bathrooms, garages, and options like patios, morning rooms, and porticos. The single-family homes range from 1,417 to 1,685 square feet with one to two bedrooms, two bathrooms, and attached two-car garages. Larger models may have dens, breakfast rooms, or patios, and the HOA fee covers certain community services.

The community’s must-see clubhouse is a hub of activity, with a state-of-the-art fitness center, art studios, an auditorium, and several other gathering and activity rooms. There’s also an Olympic-sized swimming pool as well as bocce, tennis, and pickleball courts. And if all that weren’t enough, there’s a slew social clubs and events as well as nearby attractions like Rolling Oaks Golf Course and the Nassau County Museum of Art.

Learn more information about Leisure Ridge here.

The Waterways at Moriches - Moriches, NY

Mid $200s - Mid $500s

Set on the water with nearby marinas, Suffolk County’s The Waterways at Moriches has an enviable location near the Hamptons. Area landmarks include Wertheim National Wildlife Refuge, Smith Point County Park, and South Bay Medical Center. Also, shops and services are only minutes away.

This gracious community was completed in 1999 with 343 resale attached homes on a private, gated property. The eight floor plans are sized from 1,500 to 2,072 square feet with two or three bedrooms, two or three bathrooms, and attached one- or two-car garages. Features like oversized showers, granite countertops, and hardwood floors make these exceptional homes well-appointed and comfortable, and an HOA fee is in place for community services.

Outside on the grounds, you'll find walking trails, scenic ponds, an outdoor pool and spa, tennis courts, and a private marina. There’s also a modern clubhouse, which has saunas, an exercise room, a health spa, activity and gathering rooms, and a media room. Popular group activities include parties, movie nights, group trips, knitting club, and boating.

Learn more information about The Waterways at Moriches here.

Fairfield at St. James - St. James, NY

High $200s - High $300s-

As the largest 55+ community in this group, Fairfield at St. James is a gated development of 653 resale condo and attached homes. It was built from 1972 to 1989, and it's near Stony Brook University, the charming suburb of Smithtown, and the Village of Nissequogue.

Most of Fairfield’s residences are condos, which have one or two bedrooms, one to two baths, and one-car garages or driveways. Options include patios, private balconies, and updated kitchens and bathrooms. The select number of attached homes include three bedrooms, two-and-a-half baths, and either driveways or garages. An HOA fee is also in place to cover community services and amenities.

Homeowners enjoy spending time at community events like fundraising luncheons, The Twin Ponds Senior Club, anniversary parties, and food drives. Some take place at the community clubhouse, which has meeting rooms, indoor and outdoor pools, a fitness center, and a library. There are also tennis courts and a bus service that provides transport to local shops and services.

Learn more information about Fairfield at St. James here.