Howell, NJ 55+ Active Adult Retirement Communities

Overview

Howell is a township located in Monmouth County, in Central New Jersey. Considered a suburb of the New York City metropolitan area, Howell is a small, semi-rural community surrounded by plenty of nature, while still having access to big city amenities nearby.

Climate & Geography

The climate in Howell is classified as humid subtropical, with hot, humid summers and somewhat cool to cold winters that may reach freezing temperatures. Residents can expect more rain the national average, slightly less snowfall, and approximately 209 sunny days throughout each year. 

The township lies on a unique ridge in between the inner coastal plain and the outer coastal plain, and is located near the Jersey Shore, Raritan Valley, and the Pine Barrens. Manasquan Reservoir is the largest body of water in the township, situated right in the center. Howell also completely surrounds the smaller borough of Farmingdale, which is known as a "doughnut town."

Recreation, Culture, & Entertainment

During the warm months, residents can take a stroll and bike ride through Alfred C. Sauer Park at Echo Lake and Deerwood Park, among other greenspaces. Indoor activities include visiting the local restaurants and pubs throughout the township.

New York City is approximately 60 miles away where active adults can take day trips and explore the large variety of activities in the Big Apple. 

Cost of Living & Taxes

The overall cost of living is fairly high compared to the national average, and just slightly above the state average. This is primarily due to the high cost of homes and housing, which are one-and-half times the national average. Grocery, transportation, and utility costs are also just slightly above average, while health care is well below. 

New Jersey is considered moderately tax friendly to retirees. The state does not tax Social Security benefits, and although all other forms of retirement income are taxed, residents who are 62+ receive large deductions based on their income level. High home costs paired with the highest property tax rates in the country make for a significant expense, but some residents may qualify for a homestead exemption depending on their age and income. Sales taxes are average in the state and do not apply to medicine, groceries, and certain clothing purchases.

Health Care

There are three highly ranked medical centers and hospitals located within 15 miles of Howell. They are Hackensack Meridian Health Ocean Medical Center, Jersey Shore University Medical Center, and Community Medical Center-Toms River. All three are rated high performing in numerous adult procedures and conditions.