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As you research, explore, and consider moving to a New Jersey community, here’s an overview of what you can expect when living in The Garden State.

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Climate & Geography
Entertainment & Recreation
Cost of Living

New Jersey offers a variety of master-planned communities catering to different lifestyles. Renowned developers like K. Hovnanian's® Four Seasons create communities with upscale living options and a wealth of amenities for retirees and active adults aged 55 and over—often situated near golf courses, scenic coastlines, or urban centers taking advantage of New Jersey’s unique appeal. Residents can expect a diverse and dynamic atmosphere with amenities like clubhouses, fitness centers, sparkling pools, tennis courts, and walking trails, all within a supportive social environment.

Beyond active adult options, New Jersey boasts master-planned communities for all ages—multi-use developments for families, young professionals, and retirees alike. Thriving communities with single-family homes, townhouses, and apartments, all nestled amongst parks, playgrounds, and green spaces allow residents to enjoy friendly camaraderie with easy access to amenities like fitness centers, swimming pools, and community centers. 

Many of these communities are situated near shopping centers, schools, and workplaces, with convenient locations not far from New York City, Philadelphia, and The Jersey Shore.

New Jersey Climate & Geography

Despite its relatively small size, New Jersey has a varied climate and geography.

Regions & Landscapes

Bordered by the Atlantic Ocean to the east, the Delaware River to the west, New York State to the north, and Pennsylvania to the southwest, New Jersey can be divided into four distinct regions:

The Appalachian Ridge and Valley Province in the northwest is characterized by rolling hills and valleys. It contains the highest point in New Jersey, aptly named High Point.

The Triassic Lowlands in the central part of the state is a flat region with fertile soil. This is the most populous region of New Jersey.

The Coastal Plain in the southeast is a low-lying region with sandy beaches and barrier islands. This region is home to the popular resort town, Atlantic City.

The Highlands Region in the north is a hilly region with rocky cliffs, forests, as well as many lakes and river.


New Jersey's climate is temperate, with four distinct seasons. The state's location on the Atlantic coast means that it experiences both continental and maritime influences. Summers are warm and humid, with average highs in July in the mid-80s Fahrenheit (around 30 degrees Celsius). Winters are cold and snowy, with average lows in January in the mid-20s Fahrenheit (around -5 degrees Celsius). The northern part of the state is generally colder and snowier than the southern part.

New Jersey is also susceptible to severe weather events, such as hurricanes, tornadoes, and nor'easters. Hurricanes are most common in late summer and early fall, while tornadoes can occur at any time of year. Nor'easters are winter storms that can bring heavy snow, rain, and wind.

New Jersey Entertainment & Recreation

From the glitz of Atlantic City to the natural beauty of its parks, the "Garden State" provides a diverse playground for recreation and entertainment.

Beach & Boardwalk: New Jersey's 130 miles of coastline offer something for everyone. Relax on the pristine beaches of Cape May or Ocean City. Embrace the retro charm of Asbury Park's boardwalk with its music scene and eclectic shops. Wildwood's lively boardwalk boasts amusement piers and water parks.

History & Culture: The state’s rich history comes alive at Ellis Island, the gateway for millions of immigrants. Explore the prestigious halls of Princeton University. Liberty State Park offers stunning views of the New York City skyline and historical significance related to World War II.

Family Fun: Jersey is home to Six Flags Great Adventure, Storybook Land, Cape May County Park & Zoo, a scenic train ride on the Cape May Seashore Line Railroad, and more.

Natural Beauty: Hike the scenic trails of the Delaware Water Gap National Recreation Area, explore the unique ecosystem of the Pinelands National Reserve, or kayak through the serene Manasquan River Wildlife Management Area.

Nightlife & Sports: Atlantic City beckons with its world-famous casinos, dazzling shows, and vibrant nightlife. Sports fans can see the New Jersey Devils battle on the ice in Newark, or root for the New York Jets and Giants who share MetLife Stadium in East Rutherford (though technically not in New Jersey).

New Jersey Cost of Living

  • Overall: The cost of living in New Jersey is 11% higher than the national average.
  • Housing: 30% higher than the national average.
  • Taxes: 
    • Income tax: Ranges from 1.4% to 10.75%
    • Property tax: 2.26% of homes assessed value
    • Sales tax: 6.625%
    • No tax on Social Security benefits, but NJ does tax inheritances and most pensions.

New Jersey Healthcare

New Jersey doesn't have a single, statewide healthcare system. Healthcare in the state is provided through a mix of public and private programs:

Public Programs: New Jersey offers NJ FamilyCare, a publicly funded program that provides health insurance to qualified residents, including Medicaid and CHIP (Children's Health Insurance Program).  This program covers a wide range of services, including doctor visits, prescriptions, and mental health care.

Private Insurance: Most residents obtain health insurance through private companies. You can shop for plans and see if you qualify for financial assistance through the state's GetCoveredNJ marketplace.

Top medical centers in New Jersey include:

Hackensack Meridian Health Hackensack University Medical Center: This prestigious academic medical center is consistently ranked among the best hospitals in the nation by U.S. News & World Report.

Robert Wood Johnson Barnabas Health: This integrated health system operates several top-ranked hospitals across the state, including Robert Wood Johnson University Hospital (New Brunswick) and Cooperman Barnabas Medical Center (Newark).

Atlantic Health System: This network of hospitals serves northern and central New Jersey, with its flagship facility being Overlook Medical Center in Summit.

Read Articles About New Jersey Communities