Other than former GT "sites" which have been reduced to rubble, completely deserted ghost towns with habitable buildings are very rare.
Here in CA for example, Bodie is about the only one that fits the description. However 6-7 Park Rangers DO reside there year-round to answer questions and stop vandalism.
But exploring old historic towns or mining camps is still very much worthwhile even if there are some residents. Sometimes these old residents can point out historic features that could otherwise easily be missed.
Up in NE Washington, is 6 ghost towns: Curlew, Republic, Orient, Northport, Marble, & Bossburg.
Check the Wash page on this site. It has GT's listed by county, and you can check the map to see where a county is located. Also several towns have been updated, as to the remains etc.