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Princeton Tops New Jersey's Best Places to Retire in 2026

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  Published in Media and Entertainment on Monday, February 9th 2026 at 19:30 GMT by app.com
      Locales: New Jersey, UNITED STATES

Princeton, NJ - February 10th, 2026 - U.S. News & World Report has released its highly anticipated 2026 rankings of the best places to retire in New Jersey, revealing a familiar yet evolving picture of desirable locations for seniors. While the state consistently ranks high for quality of life and access to healthcare, the perennial challenge of affordability continues to shape the retirement decisions of many.

This year's rankings place Princeton at the top, solidifying its position as a premier retirement destination. The town's association with the renowned Princeton University is a significant draw, offering retirees intellectual stimulation through continuing education programs, lectures, and access to a vibrant academic community. Beyond the university, Princeton boasts a charming downtown area, a rich cultural scene with theaters and museums, and a strong sense of community fostered through local organizations and events. The proximity to both New York City and Philadelphia further enhances its appeal, providing easy access to major metropolitan amenities.

Chatham and Montclair round out the top three, showcasing the diverse options available within the Garden State. Chatham, consistently praised for its picturesque setting and family-friendly atmosphere, appeals to retirees seeking a quieter, more suburban lifestyle. Excellent schools remain a benefit, attracting those who anticipate frequent visits from grandchildren. Montclair, in contrast, offers a more dynamic and cosmopolitan experience. Its thriving arts community, diverse population, and convenient access to public transportation provide a lively and engaging environment.

The complete top ten, as determined by U.S. News & World Report, includes Ridgewood, Summit, Glen Ridge, Berkeley Heights, Upper Saddle River, Westfield, and Millburn. These towns share common traits: well-maintained infrastructure, low crime rates, and a commitment to providing a high quality of life for residents. They also tend to be located within easy commuting distance of major employment centers, which continues to influence property values and desirability.

Methodology: Beyond Just Pretty Towns

The U.S. News & World Report rankings aren't simply based on aesthetic appeal. A rigorous methodology is employed, considering a multitude of factors crucial to a comfortable and fulfilling retirement. Affordability is a key component, weighing the cost of housing, utilities, transportation, and other essential expenses against the average retirement income. Healthcare access is paramount, with rankings factoring in the number of hospitals, physicians, and specialized medical facilities per capita.

Quality of life is assessed through metrics such as crime rates, air and water quality, and access to recreational opportunities, including parks, cultural attractions, and outdoor activities. Demographic considerations also play a role, with a higher proportion of existing retirees suggesting a welcoming and supportive environment for newcomers. Finally, the availability of opportunities for social and civic engagement - volunteering, joining clubs, and participating in community events - is considered essential for maintaining an active and fulfilling lifestyle.

The Elephant in the Room: New Jersey's Cost of Living

Despite the numerous advantages of retiring in New Jersey, the state's high cost of living remains a significant deterrent for many prospective retirees. Property taxes, in particular, are consistently among the highest in the nation, posing a substantial financial burden. This issue is exacerbated by rising housing costs and increasing healthcare expenses.

"While New Jersey offers a fantastic quality of life, careful financial planning is absolutely essential," notes financial advisor Eleanor Vance. "Retirees need to realistically assess their income and expenses, and potentially consider downsizing or relocating to a more affordable region within the state. Exploring property tax relief programs and understanding the implications of long-term care costs are also crucial steps."

The increasing popularity of active adult communities and continuing care retirement communities (CCRCs) reflects a growing desire for predictable costs and simplified living arrangements. These communities often offer a range of amenities and services, allowing retirees to maintain their independence while receiving support as their needs evolve.

Looking Ahead

The 2026 rankings highlight the enduring appeal of New Jersey as a retirement destination, particularly for those who prioritize quality of life and access to amenities. However, addressing the affordability challenge is crucial to ensuring that the state remains accessible to a wider range of retirees. Future rankings will likely reflect the impact of evolving demographics, economic trends, and policy changes aimed at easing the financial burden on seniors. The continuing development of age-friendly infrastructure and services will also be key to attracting and retaining a thriving retirement population.