The Town Files

The 25 Best Small Towns to Retire in New Jersey

Ranked on The Town Files lifestyle rankings among 352 towns of 500–10,000 people in New Jersey. #1 is Harding, NJ.

Map of the 25 towns12345678910111213141516171819202122232425
Numbers match the ranking.
The 25 Best Small Towns to Retire in New Jersey1. Harding100th pct2. Monmouth Beach100th pct3. Allamuchy99th pct4. Panther Valley99th pct5. Mountainside98th pct6. Franklin Center98th pct7. Tewksbury98th pct8. Mendham98th pct9. Delaware98th pct10. Lambertville98th pct11. White House Station98th pct12. Roseland97th pct13. White97th pct14. East Amwell97th pct15. Pine Brook96th pct16. Alexandria96th pct17. Pilesgrove96th pct18. Pennington96th pct19. Union95th pct20. Independence95th pct21. Kingwood95th pct22. Saddle River95th pct23. Spring Lake95th pct24. Bedminster94th pct25. Andover94th pct
  1. 25Andover, New Jersey

    Better for retirees than 94% of New Jersey towns

    Andover is a township of 5,996 people in Sussex County, New Jersey. It also ranks quieter than 90% of New Jersey towns and better for first-time buyers than 80% of New Jersey towns.

    5,996 people · Sussex County · median home $413,000 · income $142,225 · Jan low 19°F · 31 in snow

    Full Andover, New Jersey profile: weather, storms, schools, jobs →

    Andover lifestyle rankingsRetirement94th pctQuiet90th pctWalkability15th pctFamilies72th pct
    The Town Files lifestyle rankings, percentile vs New Jersey towns.
  2. 24Bedminster, New Jersey

    Better for retirees than 94% of New Jersey towns

    Bedminster is a township of 8,272 people in Somerset County, New Jersey. It also ranks better for young professionals than 94% of New Jersey towns and hipper than 77% of New Jersey towns.

    8,272 people · Somerset County · median home $448,500 · income $123,709 · Jan low 21°F · 30 in snow

    Full Bedminster, New Jersey profile: weather, storms, schools, jobs →

    Bedminster lifestyle rankingsRetirement94th pctQuiet64th pctWalkability52th pctFamilies43th pct
    The Town Files lifestyle rankings, percentile vs New Jersey towns.
  3. 23Spring Lake, New Jersey

    Better for retirees than 95% of New Jersey towns

    Spring Lake is a borough of 2,789 people in Monmouth County, New Jersey. It also ranks better for a vacation home than 100% of New Jersey towns and more upscale than 99% of New Jersey towns.

    2,789 people · Monmouth County · median home $2,000,001 · income $215,625 · Jan low 25°F

    Full Spring Lake, New Jersey profile: weather, storms, schools, jobs →

    Spring Lake lifestyle rankingsRetirement95th pctQuiet94th pctWalkability70th pctFamilies62th pct
    The Town Files lifestyle rankings, percentile vs New Jersey towns.
  4. 22Saddle River, New Jersey

    Better for retirees than 95% of New Jersey towns

    Saddle River is a borough of 3,372 people in Bergen County, New Jersey. It also ranks more upscale than 97% of New Jersey towns and better for families than 88% of New Jersey towns.

    3,372 people · Bergen County · median home $2,000,001 · income $212,143 · Jan low 20°F · 31 in snow

    Full Saddle River, New Jersey profile: weather, storms, schools, jobs →

    Saddle River lifestyle rankingsRetirement95th pctQuiet84th pctWalkability31th pctFamilies88th pct
    The Town Files lifestyle rankings, percentile vs New Jersey towns.
  5. 21Kingwood, New Jersey

    Better for retirees than 95% of New Jersey towns

    Kingwood is a township of 3,802 people in Hunterdon County, New Jersey. It also ranks better for families than 82% of New Jersey towns and quieter than 75% of New Jersey towns.

    3,802 people · Hunterdon County · median home $477,100 · income $135,129 · Jan low 21°F · 27 in snow

    Full Kingwood, New Jersey profile: weather, storms, schools, jobs →

    Kingwood lifestyle rankingsRetirement95th pctQuiet75th pctWalkability29th pctFamilies82th pct
    The Town Files lifestyle rankings, percentile vs New Jersey towns.
  6. 20Independence, New Jersey

    Better for retirees than 95% of New Jersey towns

    Independence is a township of 5,469 people in Warren County, New Jersey. It also ranks quieter than 91% of New Jersey towns and better for cycling than 89% of New Jersey towns.

    5,469 people · Warren County · median home $390,100 · income $92,243 · Jan low 18°F · 28 in snow

    Full Independence, New Jersey profile: weather, storms, schools, jobs →

    Independence lifestyle rankingsRetirement95th pctQuiet91th pctWalkability18th pctFamilies54th pct
    The Town Files lifestyle rankings, percentile vs New Jersey towns.
  7. 19Union, New Jersey

    Better for retirees than 95% of New Jersey towns

    Union is a township of 6,507 people in Hunterdon County, New Jersey. It also ranks better for young professionals than 84% of New Jersey towns and quieter than 82% of New Jersey towns.

    6,507 people · Hunterdon County · median home $416,600 · income $137,568 · Jan low 21°F · 27 in snow

    Full Union, New Jersey profile: weather, storms, schools, jobs →

    Union lifestyle rankingsRetirement95th pctQuiet82th pctWalkability27th pctFamilies62th pct
    The Town Files lifestyle rankings, percentile vs New Jersey towns.
  8. 18Pennington, New Jersey

    Better for retirees than 96% of New Jersey towns

    Pennington, New Jersey
    Photo: DiskFool (public domain, Wikimedia Commons)

    Pennington is a borough of 2,802 people in Mercer County, New Jersey. It also ranks more upscale than 96% of New Jersey towns and hipper than 91% of New Jersey towns.

    2,802 people · Mercer County · median home $672,900 · income $192,586 · Jan low 24°F · 27 in snow

    Full Pennington, New Jersey profile: weather, storms, schools, jobs →

    Pennington lifestyle rankingsRetirement96th pctQuiet58th pctWalkability75th pctFamilies67th pct
    The Town Files lifestyle rankings, percentile vs New Jersey towns.
  9. 17Pilesgrove, New Jersey

    Better for retirees than 96% of New Jersey towns

    Pilesgrove is a township of 4,183 people in Salem County, New Jersey. It also ranks easier by car than 100% of New Jersey towns and quieter than 96% of New Jersey towns.

    4,183 people · Salem County · median home $383,300 · income $158,281 · Jan low 27°F · 17 in snow

    Full Pilesgrove, New Jersey profile: weather, storms, schools, jobs →

    Pilesgrove lifestyle rankingsRetirement96th pctQuiet96th pctWalkability7th pctFamilies72th pct
    The Town Files lifestyle rankings, percentile vs New Jersey towns.
  10. 16Alexandria, New Jersey

    Better for retirees than 96% of New Jersey towns

    Alexandria is a township of 4,809 people in Hunterdon County, New Jersey. It also ranks better for families than 89% of New Jersey towns and quieter than 80% of New Jersey towns.

    4,809 people · Hunterdon County · median home $552,000 · income $160,354 · Jan low 21°F · 27 in snow

    Full Alexandria, New Jersey profile: weather, storms, schools, jobs →

    Alexandria lifestyle rankingsRetirement96th pctQuiet80th pctWalkability31th pctFamilies89th pct
    The Town Files lifestyle rankings, percentile vs New Jersey towns.
  11. 15Pine Brook, New Jersey

    Better for retirees than 96% of New Jersey towns

    Pine Brook is a community of 5,675 people in Morris County, New Jersey. It also ranks better for young professionals than 93% of New Jersey towns and more upscale than 89% of New Jersey towns.

    5,675 people · Morris County · median home $767,200 · income $126,488 · Jan low 21°F · 24 in snow

    Full Pine Brook, New Jersey profile: weather, storms, schools, jobs →

    Pine Brook lifestyle rankingsRetirement96th pctQuiet62th pctWalkability37th pctFamilies70th pct
    The Town Files lifestyle rankings, percentile vs New Jersey towns.
  12. 14East Amwell, New Jersey

    Better for retirees than 97% of New Jersey towns

    East Amwell is a township of 3,917 people in Hunterdon County, New Jersey. It also ranks quieter than 97% of New Jersey towns and better for cycling than 86% of New Jersey towns.

    3,917 people · Hunterdon County · median home $503,900 · income $152,361 · Jan low 22°F · 24 in snow

    Full East Amwell, New Jersey profile: weather, storms, schools, jobs →

    East Amwell lifestyle rankingsRetirement97th pctQuiet97th pctWalkability21th pctFamilies80th pct
    The Town Files lifestyle rankings, percentile vs New Jersey towns.
  13. 13White, New Jersey

    Better for retirees than 97% of New Jersey towns

    White is a township of 4,606 people in Warren County, New Jersey. It also ranks easier by car than 89% of New Jersey towns and quieter than 87% of New Jersey towns.

    4,606 people · Warren County · median home $349,500 · income $75,726 · Jan low 18°F · 23 in snow

    Full White, New Jersey profile: weather, storms, schools, jobs →

    White lifestyle rankingsRetirement97th pctQuiet87th pctWalkability15th pctFamilies32th pct
    The Town Files lifestyle rankings, percentile vs New Jersey towns.
  14. 12Roseland, New Jersey

    Better for retirees than 97% of New Jersey towns

    Roseland is a borough of 6,299 people in Essex County, New Jersey. It also ranks more upscale than 86% of New Jersey towns and quieter than 73% of New Jersey towns.

    6,299 people · Essex County · median home $665,700 · income $164,458 · Jan low 21°F · 24 in snow

    Full Roseland, New Jersey profile: weather, storms, schools, jobs →

    Roseland lifestyle rankingsRetirement97th pctQuiet73th pctWalkability54th pctFamilies58th pct
    The Town Files lifestyle rankings, percentile vs New Jersey towns.
  15. 11White House Station, New Jersey

    Better for retirees than 98% of New Jersey towns

    White House Station is a community of 3,152 people in Hunterdon County, New Jersey. It also ranks quieter than 95% of New Jersey towns and better for first-time buyers than 78% of New Jersey towns.

    3,152 people · Hunterdon County · median home $454,400 · income $110,483 · Jan low 21°F · 27 in snow

    Full White House Station, New Jersey profile: weather, storms, schools, jobs →

    White House Station lifestyle rankingsRetirement98th pctQuiet95th pctWalkability31th pctFamilies64th pct
    The Town Files lifestyle rankings, percentile vs New Jersey towns.
  16. 10Lambertville, New Jersey

    Better for retirees than 98% of New Jersey towns

    Lambertville is a city of 4,139 people in Hunterdon County, New Jersey. It also ranks hipper than 100% of New Jersey towns and better for young professionals than 89% of New Jersey towns.

    4,139 people · Hunterdon County · median home $562,300 · income $109,733 · Jan low 19°F · 13 in snow

    Full Lambertville, New Jersey profile: weather, storms, schools, jobs →

    Lambertville lifestyle rankingsRetirement98th pctQuiet51th pctWalkability84th pctFamilies15th pct
    The Town Files lifestyle rankings, percentile vs New Jersey towns.
  17. 9Delaware, New Jersey

    Better for retirees than 98% of New Jersey towns

    Delaware is a township of 4,560 people in Hunterdon County, New Jersey. It also ranks more of a college town than 93% of New Jersey towns and quieter than 89% of New Jersey towns.

    4,560 people · Hunterdon County · median home $637,700 · income $194,219 · Jan low 19°F · 13 in snow

    Full Delaware, New Jersey profile: weather, storms, schools, jobs →

    Delaware lifestyle rankingsRetirement98th pctQuiet89th pctWalkability26th pctFamilies82th pct
    The Town Files lifestyle rankings, percentile vs New Jersey towns.
  18. 8Mendham, New Jersey

    Better for retirees than 98% of New Jersey towns

    Mendham is a borough of 4,981 people in Morris County, New Jersey. It also ranks more upscale than 94% of New Jersey towns and better for families than 88% of New Jersey towns.

    4,981 people · Morris County · median home $819,800 · income $211,944 · Jan low 21°F · 30 in snow

    Full Mendham, New Jersey profile: weather, storms, schools, jobs →

    Mendham lifestyle rankingsRetirement98th pctQuiet69th pctWalkability44th pctFamilies88th pct
    The Town Files lifestyle rankings, percentile vs New Jersey towns.
  19. 7Tewksbury, New Jersey

    Better for retirees than 98% of New Jersey towns

    Tewksbury is a township of 5,870 people in Hunterdon County, New Jersey. It also ranks better for families than 90% of New Jersey towns and more upscale than 90% of New Jersey towns.

    5,870 people · Hunterdon County · median home $795,400 · income $192,576 · Jan low 21°F · 30 in snow

    Full Tewksbury, New Jersey profile: weather, storms, schools, jobs →

    Tewksbury lifestyle rankingsRetirement98th pctQuiet89th pctWalkability3th pctFamilies90th pct
    The Town Files lifestyle rankings, percentile vs New Jersey towns.
  20. 6Franklin Center, New Jersey

    Better for retirees than 98% of New Jersey towns

    Franklin Center is a community of 6,803 people in Somerset County, New Jersey. It also ranks quieter than 90% of New Jersey towns and better for first-time buyers than 86% of New Jersey towns.

    6,803 people · Somerset County · median home $612,000 · income $157,212 · Jan low 23°F · 21 in snow

    Full Franklin Center, New Jersey profile: weather, storms, schools, jobs →

    Franklin Center lifestyle rankingsRetirement98th pctQuiet90th pctWalkability3th pctFamilies21th pct
    The Town Files lifestyle rankings, percentile vs New Jersey towns.
  21. 5Mountainside, New Jersey

    Better for retirees than 98% of New Jersey towns

    Mountainside is a borough of 7,020 people in Union County, New Jersey. It also ranks better for families than 98% of New Jersey towns and better transit than 90% of New Jersey towns.

    7,020 people · Union County · median home $810,300 · income $211,538 · Jan low 25°F · 26 in snow

    Full Mountainside, New Jersey profile: weather, storms, schools, jobs →

    Mountainside lifestyle rankingsRetirement98th pctQuiet67th pctWalkability44th pctFamilies98th pct
    The Town Files lifestyle rankings, percentile vs New Jersey towns.
  22. 4Panther Valley, New Jersey

    Better for retirees than 99% of New Jersey towns

    Panther Valley is a community of 4,391 people in Warren County, New Jersey. It also ranks quieter than 93% of New Jersey towns and more upscale than 78% of New Jersey towns.

    4,391 people · Warren County · median home $369,900 · income $131,169 · Jan low 19°F · 29 in snow

    Full Panther Valley, New Jersey profile: weather, storms, schools, jobs →

    Panther Valley lifestyle rankingsRetirement99th pctQuiet93th pctWalkability2th pctFamilies45th pct
    The Town Files lifestyle rankings, percentile vs New Jersey towns.
  23. 3Allamuchy, New Jersey

    Better for retirees than 99% of New Jersey towns

    Allamuchy is a township of 5,335 people in Warren County, New Jersey. It also ranks quieter than 93% of New Jersey towns and more upscale than 78% of New Jersey towns.

    5,335 people · Warren County · median home $378,400 · income $131,626 · Jan low 19°F · 29 in snow

    Full Allamuchy, New Jersey profile: weather, storms, schools, jobs →

    Allamuchy lifestyle rankingsRetirement99th pctQuiet93th pctWalkability2th pctFamilies45th pct
    The Town Files lifestyle rankings, percentile vs New Jersey towns.
  24. 2Monmouth Beach, New Jersey

    Better for retirees than 100% of New Jersey towns

    Monmouth Beach is a borough of 3,174 people in Monmouth County, New Jersey. It also ranks better for a vacation home than 100% of New Jersey towns and more seaside character than 96% of New Jersey towns.

    3,174 people · Monmouth County · median home $995,000 · income $150,188 · Jan low 25°F · 25 in snow

    Full Monmouth Beach, New Jersey profile: weather, storms, schools, jobs →

    Monmouth Beach lifestyle rankingsRetirement100th pctQuiet61th pctWalkability65th pctFamilies47th pct
    The Town Files lifestyle rankings, percentile vs New Jersey towns.
  25. 1Harding, New Jersey

    Better for retirees than 100% of New Jersey towns

    Harding is a township of 3,871 people in Morris County, New Jersey. It also ranks quieter than 95% of New Jersey towns and more upscale than 94% of New Jersey towns.

    3,871 people · Morris County · median home $1,145,100 · income $222,429 · Jan low 22°F · 24 in snow

    Full Harding, New Jersey profile: weather, storms, schools, jobs →

    Harding lifestyle rankingsRetirement100th pctQuiet95th pctWalkability32th pctFamilies71th pct
    The Town Files lifestyle rankings, percentile vs New Jersey towns.

Price vs ranking

Median home value vs ranking, New Jersey towns0255075100$80K$328K$576K$824K$1073KMedian home valuePercentile
Orange squares are the 25 towns on this list; green dots are other towns on The Town Files in New Jersey.

More New Jersey rankings

Same ranking, other places

Methodology. We ranked 352 towns of 500–10,000 people in New Jersey (2020 Census population). Lifestyle measures are The Town Files lifestyle rankings, built from federal demographic, school, crime and housing data (2025), shown as percentiles. Only towns better than 60% of their peers on this measure qualify, so lists can be shorter than 25. Sources: