Cromwell, CT 55+ Active Adult Retirement Communities

Nestled in the heart of Connecticut, Cromwell is a hidden gem that offers a vibrant and picturesque setting for retirees seeking an active and fulfilling lifestyle. With its serene natural beauty, rich history, and close-knit community, Cromwell embodies the essence of an ideal retirement destination. The town's proximity to the stunning Connecticut River provides opportunities for boating, fishing, and exploring scenic trails along its banks. Golf enthusiasts will be delighted by the many nearby golf courses, which offer both challenging fairways and breathtaking views of the surrounding landscape. With a wide range of recreational activities, from community events and festivals to outdoor concerts and farmers markets, Cromwell provides a vibrant and engaging environment that fosters social connections and an active retirement lifestyle.

For more information about visiting or moving to Cromwell, here are some helpful local resources:

• Discover all the attractions, events, and amenities that Cromwell has to offer by visiting the Visit Cromwell website.
• Stay updated on the latest recreational activities, classes, and sports programs available in Cromwell through the town's Recreation Department page.
• Immerse yourself in Cromwell's rich history and heritage through the Cromwell Historical Society's website, where you can explore exhibits, attend lectures, and participate in historical tours.

Affordability and Cost of Living

Compared to the state of Connecticut, the cost of living in Cromwell is pretty low. Even by national standards, paying for groceries and healthcare and utilities is more expensive, but not oppressively so. The average cost of living in Cromwell, CT is 5.7 percent higher than the average community in the U.S. When it comes to housing, however, Cromwell home prices and rents actually average 7 percent lower than the U.S. average. 

Property taxes in Connecticut are known to be high, with most of the state paying about 1.63 percent of their property value in annual taxes. Cromwell property taxes can be as high as 1.9 percent, and that’s due to its Middlesex County location, which has some of the highest property taxes in the state. There is an exemption for senior homeowners in Connecticut who are 65 years of age or older. If they meet income requirements, residents can apply for property tax relief with a credit of $1,000 to $1,250.

State income taxes in the Constitution State are also considered high by most standards. Earners living in Cromwell will pay a state income tax of between 3 percent and 6.99 percent. Social Security benefits are partially taxed by the state, and withdrawals from retirement accounts are fully taxed. The estate tax is a flat rate of 12 percent, and there is no inheritance tax.

Sales taxes in Cromwell are a flat 6.35 percent, and that reflects the state sales tax. There is no additional sales tax levied by the county or the city. Taxes apply to the sale of goods and services. Most non-prepared food items and medications are exempt from the state sales tax, as well as medical devices and supplies.

Climate and Geography

Cromwell experiences a pleasant climate characterized by distinct seasons that add variety and beauty to the active adult's experience. Summers in Cromwell are warm and inviting, with average highs in the mid-80s. This creates an ideal environment for enjoying outdoor activities such as golfing, hiking, and exploring the picturesque landscapes. Winters bring a touch of New England charm with average annual snowfall of 35 inches and lows dipping into the high teens. This allows residents to appreciate the cozy ambiance of the season while partaking in winter sports like skiing or simply relishing the beauty of snow-covered scenery. Overall, Cromwell receives an average annual rainfall of approximately 48 inches, contributing to the lush greenery that surrounds the area. With an impressive number of around 190 sunny days per year, residents can revel in ample sunshine throughout the seasons, fostering a cheerful and invigorating atmosphere.

The geography of Cromwell is characterized by its prime location in the central region of the state, offering 55+ homebuyers an array of natural wonders and outdoor opportunities. Nestled along the banks of the scenic Connecticut River, Cromwell boasts breathtaking views and recreational activities like boating and fishing. The town is also encompassed by lush woodlands and rolling hills, providing an ideal backdrop for hiking enthusiasts and nature lovers. With its proximity to several state parks and nature reserves, retirees can easily explore and marvel at the flora and fauna that thrive in this idyllic setting. Furthermore, Cromwell's location near major cities like Hartford and New Haven ensures easy access to cultural attractions, world-class dining, and premier shopping destinations, providing active adults with a well-rounded retirement experience that blends the tranquility of nature with the conveniences of urban life.

Recreation, Shopping, and Entertainment

Cromwell is a vibrant town that offers a plethora of recreational activities, cultural events, shopping opportunities, and more. Whether you're an outdoor enthusiast, a history buff, or a lover of the arts, Cromwell has something to cater to your interests.

Golf and Racquet Sports:

• TPC River Highlands
• Portland Golf Course
• Rolling Greens Golf Club
• Pinebrook Pool & Tennis Club

Hiking, Biking, and Boating:

• Cromwell Meadows Wildlife Management Area
• Naugatuck State Forest
• River Highlands State Park
• Connecticut River

Museums and Historical Sites:

• General Mansfield House
• Greater Middletown Military Museum
• Solomon Goffe House Museum
• Cromwell Main Street Historic District

Performing Arts:

• Ring Family Performing Arts Hall
• Center for the Arts Theater
• The Buttonwood Tree
• Crowell Concert Hall

Shopping:

• Cross Roads Plaza
• Main Street Market
• Portland Shopping Center
• The Shops at Cromwell Square

Parks and Gardens:

• Pierson Park
• Wadsworth Falls State Park
• Dart Island State Park
• Middletown Nature Gardens

Festivals and Fairs:

• Greater Hartford Festival of Jazz
• Sailfest
• Durham Fair
• Lyman Orchard Strawberry Fest

Health and Wellness

Cromwell provides convenient access to excellent healthcare facilities, ensuring that 55+ homebuyers have access to top-notch medical services. The town is located in close proximity to major medical centers and hospitals, offering comprehensive care for various health needs. Notable hospitals within a short distance from Cromwell include Middlesex Hospital in Middletown, which provides a wide range of medical services and specialties, and Hartford Hospital, a leading care center with advanced medical technology and expertise. These medical centers offer state-of-the-art facilities and specialized care, providing peace of mind to retirees who value accessible and high-quality healthcare options.

In addition to the major medical centers, Cromwell also provides local options for self-care and maintaining overall well-being. The town is home to several fitness centers and wellness studios that cater to different exercise preferences and abilities. Whether it's yoga, Pilates, or strength training, residents can find classes and programs designed to promote physical fitness and overall health. Cromwell is also surrounded by scenic natural landscapes, including parks and walking trails, where individuals can enjoy outdoor activities, such as walking, hiking, or biking, to stay active and connect with nature.

Recommended Itinerary for Visiting Area 55+ Communities

Day One

Morning:

• Start your day with a hearty breakfast at Mitchell’s On Main, a local diner serving biscuits and gravy, waffles, benedicts, and more.
• Take a leisurely stroll through Riverfront Park, enjoying the scenic views of the Connecticut River and the peaceful ambience.

Afternoon:

• Enjoy a delightful lunch at Cromwell Pizza and Pasta, a cozy local eatery known for specialty pizzas, garlic knots, calzone, and pastas.
• Spend the afternoon exploring TPC River Highlands, a renowned golf course known for hosting the PGA TOUR Travelers Championship.

Evening:

• Treat yourself to a delicious dinner at Rail 99 Tavern, where locals gather for live music and American cuisine.

Day Two

Morning:

• Enjoy a satisfying breakfast at Middletown Breakfast Grill, a nearby diner serving omelets, breakfast sandwiches, breakfast pizza, and more.
• Explore the scenic Wadsworth Falls State Park to enjoy some stunning views of waterfalls, streams, and ponds.

Afternoon:

• Indulge in a delightful lunch at Thai Typhoon, a favorite BYOB spot in Middletown serving a selection of curries, noodle dishes, and much more.
• Schedule a meeting with a local 55places real estate expert to learn more about the 55+ communities in Cromwell and gather valuable insights on the area's housing options and amenities.

Evening:

• Conclude your visit with a memorable dinner at Fiore Ristorante to enjoy a fine Italian meal and perhaps a bottle of wine.

Getting to Cromwell, CT

Cromwell is conveniently accessible by various transportation methods. For those driving, major highways leading to Cromwell include Interstate 91, connecting the town to cities such as Hartford and New Haven, and Interstate 84, which provides access from Western Connecticut and neighboring states. Visitors flying into the area can arrive at Bradley International Airport (BDL) in Windsor Locks, CT, which is approximately a 30-minute drive from Cromwell. Bradley International serves as a major air hub for the region and is served by several domestic and international airlines, including American, Delta, United, and Southwest. There are also rideshare and rental car options available from Bradley International.