Interior view of a model bedroom at Villas at Seminary Hill in Carmel, New York

In New York State, the Carmel area has a lot to offer budget-minded active adults.

Part of eastern New York State, the Carmel area includes counties like Dutchess, Putnam, Rockland, and Westchester. This region is known for famous landmarks like the Hudson River Valley, the Rockefeller Estate, Thunder Ridge Ski Area, and the state capital of Albany. Also, according to National Geographic Traveler, the Hudson Valley is one of the top 20 must-see destinations in the world.

Scenic beauty abounds here, and Carmel real estate has great appeal for active adult homebuyers. There are also close to 30 hospitals here, including Columbia Memorial and New York-Presbyterian Hudson Valley Hospital. The area is full of shopping outlets, antique shops, boutiques, and malls, plus cultural landmarks like the Albany Institute of History & Art and the Caramoor Center for Music and the Arts.

55places.com lists 30 communities in this region which offer new and resale homes, a wide variety of floor plans and amenities, and prices all across the board. Here’s a sampling of what you can find for $400k or less in and around Carmel, New York.

Villas at Seminary Hill - Carmel, NY

High $200s - Mid $300s

If downsizing is on your to-do list, check out Villas at Seminary Hill, an intimate active adult condo community with just 50 homes being built by RPK Precision Homes Inc. There are two floor plans at around 1,200 square feet with two bedrooms, two bathrooms, and one-and-a-half available parking spots for residents. Both models have master suites, open floor plans, and porches.

This pet-friendly neighborhood has 15,000 square feet of recreation space with two pocket parks, a badminton court, and a picnic area. Its private community clubhouse has a lounge, a kitchen, and a covered porch, making it the perfect gathering place for friends and family. Outdoor enthusiasts will be drawn to nearby Fahnestock State Park, the 27-hole championship course at Centennial Golf Club, and fishing at Lake Gleneida. Alongside all of this natural beauty, you'll find grocery stores, pharmacies, fitness centers, and Putnam Hospital Center.

Learn more information about Villas at Seminary Hill here.

Stoneleigh Woods at Carmel - Carmel, NY

High $200s - Low $300s

Located only a few miles from Villas at Seminary Hill, Stoneleigh Woods at Carmel is another downsizing-friendly active adult community. This gated property is surrounded by lakes and reservoirs, and it will have 68 attached new and resale homes after work is completed by Blue and Gold Homes.

There are four models sized from 1,343 to 1,519 square feet with two bedrooms, two bathrooms, and designated parking spots. Options include full walk-out basements, patios, balconies, stainless steel appliances, and granite countertops.

Stoneleigh’s clubhouse has a great room with a fireplace, a catering kitchen, an exercise room, and an outdoor patio. There’s also a shopping center with a Tops grocery store, a CVS, a liquor store, a fitness center, a pet store, and coffee shops just up the road. The closest airport is Westchester County Airport, which has flights to Florida, Chicago, and Massachusetts; for international travel options, you can drive into New York City, which is about 60 miles.

Learn more information about Stoneleigh Woods at Carmel here.

Jefferson Village - Yorktown Heights, NY

Low $100s - Mid $300s

You can find homes priced around $400k and under at Jefferson Village, an established retirement community with 1,000 resale condo homes in Westchester County. The five floor plans are sized from 843 to 1,555 square feet with one or two bedrooms, one or two baths, one-car garages, plus extra parking throughout the community. These homes have features like open layouts, dens, eat-in kitchens, and patios, which are perfect for those seeking low-maintenance lifestyles.

There are many outdoor amenities on the property such as tennis courts; gardening plots; ponds; and an outdoor pool, patio, and spa area. The latter is beside the community clubhouse, which has a billiards room, an arts and crafts studio, and a fitness center.

Jefferson Village is near Route 6, across from the Jefferson Valley Mall, and it's near grocery stores, restaurants, pharmacies, doctor offices, parks, and lakes. If you take the Taconic Parkway about 10 minutes south, you’ll run into Franklin D. Roosevelt State Park and Mohansic Golf Course; both are open to the public.

Learn more information about Jefferson Village here.

Regency at Wappinger - Wappingers Falls, NY

Mid $300s - Mid $500s

Work is underway at Regency at Wappinger, an impressive new active adult neighborhood that will have 225 new attached and single-family homes when completed. This gated property has 93 attached homes with floor plans ranging from 1,492 to 2,005 square feet with two bedrooms, two or two-and-a-half bathrooms, first-floor master suites, and attached two-car garages. There are also eight single-family models sized from 1,712 to 2,679 square feet with two to four bedrooms, two or three baths, and attached two-car garages. Options include covered patios, tray ceilings, and fireplaces.

Homeowners will have access to the private clubhouse, which will have an outdoor pool, a tennis court, a bocce ball court, an indoor fitness center, a yoga studio, and gathering rooms. About seven miles from the Hudson River, Wappingers Falls is home to Bowdoin Park, cafes, boat ramps, and marinas. The downtown area has supermarkets, grocery stores, liquor stores, banks, restaurants, medical offices, a Home Depot, and Dutchess Community College.

Learn more information about Regency at Wappinger here.