{"id":162294,"date":"2011-09-02T15:07:00","date_gmt":"2011-09-02T15:07:00","guid":{"rendered":"https:\/\/dev.seniorliving.org\/basics\/corporateseniorcare\/55-communities\/"},"modified":"2025-11-17T20:55:41","modified_gmt":"2025-11-17T20:55:41","slug":"55-communities","status":"publish","type":"post","link":"https:\/\/www.seniorliving.org\/retirement\/55-plus\/","title":{"rendered":"55-Plus Communities and Apartments"},"content":{"rendered":"<p>The concept of a 55-plus senior living community is simple: people 55 or older live in a planned community with a <a href=\"\/care\/amenities\/\">variety of amenities<\/a> that cater to seniors. The residents usually live an active and healthy lifestyle, and the community services reflect their specific needs.<\/p>\n<p>There are a wide variety of 55-plus communities that offer different experiences and living amenities. Some communities, for instance, require a certain number of residents to be 55 or older, leaving open the possibility that young families may become your neighbor. Deciding if a 55-plus community is right for you is like any other major decision. You\u2019ll need to do some research, explore your options, recognize potential pitfalls, and, perhaps most importantly, tour the communities you\u2019re interested in.<\/p>\n<div class=\"anchor-section\">\n<h4>Table of Contents<\/h4>\n<ul>\n<li><a href=\"#what\">What Is a 55-Plus Community?<\/a><\/li>\n<li><a href=\"#types\">Types of 55-Plus Communities<\/a><\/li>\n<li><a href=\"#amenities\">Amenities in 55-Plus Communities<\/a><\/li>\n<li><a href=\"#law\">Age-Restricted Communities and the Law<\/a><\/li>\n<li><a href=\"#questions\">Questions and Important Considerations<\/a><\/li>\n<li><a href=\"#cost\">How Much Do 55-Plus Communities Cost?<\/a><\/li>\n<li><a href=\"#how-do-i-pay\">How Do I Pay for 55-Plus Senior Living?<\/a><\/li>\n<li><a href=\"#how-can-i-find\">How Can I Find 55-plus Communities Near Me?<\/a><\/li>\n<\/ul>\n<\/div>\n<h2 id=\"what\">What Is a 55-Plus Community?<\/h2>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-234182\" title=\"Estate Planning Factors\" src=\"https:\/\/www.seniorliving.org\/app\/uploads\/2021\/04\/SeniorLiving_EstatePlanning_R1V1__GuideToEstatePlanning.png\" alt=\"Estate Planning Factors\" width=\"3750\" height=\"1250\" srcset=\"https:\/\/www.seniorliving.org\/app\/uploads\/2021\/04\/SeniorLiving_EstatePlanning_R1V1__GuideToEstatePlanning.png 3750w, https:\/\/www.seniorliving.org\/app\/uploads\/2021\/04\/SeniorLiving_EstatePlanning_R1V1__GuideToEstatePlanning-300x100.png 300w, https:\/\/www.seniorliving.org\/app\/uploads\/2021\/04\/SeniorLiving_EstatePlanning_R1V1__GuideToEstatePlanning-1024x341.png 1024w, https:\/\/www.seniorliving.org\/app\/uploads\/2021\/04\/SeniorLiving_EstatePlanning_R1V1__GuideToEstatePlanning-768x256.png 768w, https:\/\/www.seniorliving.org\/app\/uploads\/2021\/04\/SeniorLiving_EstatePlanning_R1V1__GuideToEstatePlanning-1536x512.png 1536w, https:\/\/www.seniorliving.org\/app\/uploads\/2021\/04\/SeniorLiving_EstatePlanning_R1V1__GuideToEstatePlanning-2048x683.png 2048w\" sizes=\"(max-width: 3750px) 100vw, 3750px\" \/><\/p>\n<p>A 55-plus community is a location designed to accommodate people that are at least 55 years of age. The atmosphere, layout, and amenities are meant to provide for the needs of this age group, rather than, for example, young families. The area may have very specific stipulations on who can live in the community, with the goal of catering to residents in this upper age limit.<\/p>\n<h3>The Appeal of 55-Plus Communities<\/h3>\n<p>Why do people choose 55-plus communities? Because well-designed communities have all the residents\u2019 needs in mind. They should put you close to hospitals, shopping, dining, and local attractions. Some older adults like the physical security a community provides, whether it offers a gated neighborhood or on-site security patrols. Others like to live with peers and without children in the neighborhood. Many communities also have conveniences a lot of seniors find irresistible.<\/p>\n<div class=\"page-tip pro-tip pro-tip\"><div class=\"tip-icon\"><div class=\"tip-title\">Pro Tip:<\/div><div class=\"icn\"><\/div><\/div><div class=\"copy\"><p><strong>Pro Tip:<\/strong> Even if you\u2019re not 55-plus yet, you should start thinking about where you want to live before and during your retirement at least a few years in advance.<\/p><\/div><\/div>\n<p>Another perk is that all your expenses \u2014 taxes, <a href=\"\/insurance\/\">insurance<\/a>, utilities, etc. \u2014 are wrapped up in one fee. Plus the need to care for your property is basically eliminated \u2014 no more mowing the grass, raking leaves, or replacing a leaky gutter. In short, a 55-plus community tries to make life as simple and leisurely as possible for its residents.<\/p>\n<h2 id=\"types\">Types of 55-Plus Communities<\/h2>\n<p>In general, 55-plus communities are for <a href=\"\/life\/active-senior\/\">active adults who want to live with their peers<\/a>. Many communities offer general amenities in a suburban setting, but others are more focused on a particular lifestyle or location. Here are a few examples:<\/p>\n<ul>\n<li>Luxury communities<\/li>\n<li>College town and university communities<\/li>\n<li>RV retirement parks<\/li>\n<li>Golf and resort communities<\/li>\n<li>Religious communities<\/li>\n<li>Active-senior communities<\/li>\n<li>Single-only communities<\/li>\n<li>Gated communities<\/li>\n<\/ul>\n<h3>Luxury Senior Living Communities<\/h3>\n<p>A <a href=\"\/luxury\/\">luxury 55-plus community<\/a> is just that \u2014 a high-end living arrangement for older adults. The homes are generally larger with more amenities and features, but they tend to be priced significantly higher as well. Luxury communities may offer more services and onsite amenities to residents, and the higher price ensures that more affluent individuals live in the community.<\/p>\n<h3>University Retirement Community<\/h3>\n<p>One of the fastest-growing types of retirement communities is university 55-plus communities. These communities often have <a href=\"\/retirement\/university\/\">direct ties with local universities and colleges<\/a>. They help make it possible for you to work or participate in learning activities at these locations while providing for your needs at home.<\/p>\n<div class=\"page-tip pro-tip pro-tip\"><div class=\"tip-icon\"><div class=\"tip-title\">Pro Tip:<\/div><div class=\"icn\"><\/div><\/div><div class=\"copy\"><p><strong>Pro Tip:<\/strong> Interested in taking a class or learning a new skill? Visit our guide to <a href=\"\/life\/classes\/\">five places seniors can take free classes<\/a>.<\/p><\/div><\/div>\n<h3>Senior RV Parks and Retirement Communities<\/h3>\n<p>Some individuals prefer to be less set in stone when it comes to their living arrangements. In other words, they want to travel. An <a href=\"\/mobile-home-parks\/\">RV retirement park<\/a> geared toward people over 55 is a great solution. Residents are able to stay as long as they like with others who share similar interests.<\/p>\n<h3>Resort and Golf Retirement Communities<\/h3>\n<p>Golf and resort communities offer a resort-like experience for older adults. They are not open to the general public for renting or vacation purposes, but they allow people over 55 to enjoy all the vacation-like amenities the area has to offer. Golf communities are often on or near some of the most prestigious golf courses in their areas.<\/p>\n<h3>Faith-Based Retirement Communities<\/h3>\n<p>Many older adults prefer to live around people who share the same beliefs. There are a variety of <a href=\"\/care\/faith\/\">religious 55-plus communities<\/a> that can provide a sense of fellowship with other seniors of the same faith. These communities also offer specific religious services and events to residents.<\/p>\n<h3>Active Retirement Communities<\/h3>\n<p>Active communities are just what they sound like \u2014 communities designed to <a href=\"\/life\/active-senior\/\">encourage an active lifestyle<\/a>. Some offer things like golf courses and bowling alleys, while others offer more access to hiking, biking, and swimming. The goal is to keep everyone active and entertained with sports, recreation, and a busy lifestyle as they age.<\/p>\n<h3>Single Retirement Communities<\/h3>\n<p>Single 55-plus communities allow individuals who are unmarried to <a href=\"\/retirement\/single\/\">come together in the same area<\/a>. They may \u2014 but don\u2019t always \u2014 offer opportunities for meeting others. In many cases, the goal is simply to provide residents with an opportunity to enjoy the company of other single adults.<\/p>\n<h3>Gated Communities for Seniors<\/h3>\n<p>Gated communities offer a <a href=\"\/retirement\/gated\/\">bit more security<\/a>, but still have many of the same benefits and specializations as a 55-plus community. The main appeal is that the community does not allow just anyone to visit. Residents who want more privacy and fewer bothersome visitors will enjoy this type of community.<\/p>\n<h2 id=\"amenities\">Amenities in 55-Plus Communities<\/h2>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-233793\" title=\"How to pay for companion care\" src=\"https:\/\/www.seniorliving.org\/app\/uploads\/2022\/01\/how-to-pay-for-companion-care.png\" alt=\"How to pay for companion care\" width=\"599\" height=\"500\" srcset=\"https:\/\/www.seniorliving.org\/app\/uploads\/2022\/01\/how-to-pay-for-companion-care.png 1931w, https:\/\/www.seniorliving.org\/app\/uploads\/2022\/01\/how-to-pay-for-companion-care-300x251.png 300w, https:\/\/www.seniorliving.org\/app\/uploads\/2022\/01\/how-to-pay-for-companion-care-1024x855.png 1024w, https:\/\/www.seniorliving.org\/app\/uploads\/2022\/01\/how-to-pay-for-companion-care-768x642.png 768w, https:\/\/www.seniorliving.org\/app\/uploads\/2022\/01\/how-to-pay-for-companion-care-1536x1283.png 1536w\" sizes=\"(max-width: 599px) 100vw, 599px\" \/><\/p>\n<p>The kinds of amenities you\u2019ll find vary greatly from community to community. Most will have a clubhouse and exercise facilities, indoor or outdoor pools, hobby and <a href=\"\/life\/activities\/crafting\/\">crafts clubs<\/a>, security, and maintenance. Others offer golf courses, marinas, tennis courts, on-site health care, restaurants, professional entertainment, walking trails, billiards rooms, card rooms, libraries or media centers, bocce courts, lakes for fishing, and many other lifestyle-related options. For older adults who need assistance with daily tasks, there are communities with on-site staff who can help.<\/p>\n<h2 id=\"law\">Age-Restricted Communities and the Law<\/h2>\n<p>You\u2019ll find many variations of age-restricted communities, such as 55-plus, 62-plus, and 65-plus. The U.S. Department of Housing and Urban Development (HUD) and the Housing for Older Persons Act, which say housing must include at least one person who is 55 or older in at least 80 percent of occupied units, regulate these communities. According to these guidelines, one spouse can still be under the required age.<\/p>\n<p>It is important to note that people under 19 cannot be permanent residents. These communities are usually designated as \u201cage-qualified\u201d in their marketing brochures. There are also communities that are marketed to a certain age group \u2014 \u201cage-targeted\u201d \u2014 but are not age-restrictive. That means younger couples with children are permitted to live there.<\/p>\n<h2 id=\"questions\">Questions and Important Considerations<\/h2>\n<p>As you research locations and community amenities, consider other aspects that won\u2019t be mentioned in brochures.<\/p>\n<ul>\n<li>What are your neighbors like? Do they live there all year or part-time? Are they the kind of people you\u2019d want to have over for dinner? Do you share the same interests?<\/li>\n<li>Is the developer on solid financial ground? If there are structural issues, do they have the resources to resolve them? What if homeowners default? Can they weather that kind of storm? Ask to see a copy of their budget and profit and loss statement, which should be readily available from the homeowner\u2019s association.<\/li>\n<li>Is there a reserve fund for maintenance? Often called a \u201csinking fund,\u201d it\u2019s money set aside for things such as roof replacement and air conditioning replacement. It\u2019s usually a line item on the HOA\u2019s budget.<\/li>\n<li>Find out who owns the land adjacent to the community. What are the plans for the land? You may not want an airport built next door.<\/li>\n<li>What rules will you have to follow? Some communities don\u2019t allow residents to display flags of any kind, including the American flag. You typically can\u2019t park an RV on the street or your driveway. You may not be able to paint your front door a different color or build a jungle gym in your backyard for the grandchildren. Make sure to check out what you can and can\u2019t do by asking to see a copy of the HOA\u2019s bylaws.<\/li>\n<\/ul>\n<h2 id=\"cost\">How Much Do 55-Plus Communities Cost?<\/h2>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-235022\" title=\"How much do estate planning attorneys charge\" src=\"https:\/\/www.seniorliving.org\/app\/uploads\/2022\/02\/SeniorLiving_AGuideToEstatePlanningAttorney_R1V1__HowMuchDoEstatePlanningAttorneysCharge-1.png\" alt=\"How much do estate planning attorneys charge\" width=\"1800\" height=\"600\" srcset=\"https:\/\/www.seniorliving.org\/app\/uploads\/2022\/02\/SeniorLiving_AGuideToEstatePlanningAttorney_R1V1__HowMuchDoEstatePlanningAttorneysCharge-1.png 1800w, https:\/\/www.seniorliving.org\/app\/uploads\/2022\/02\/SeniorLiving_AGuideToEstatePlanningAttorney_R1V1__HowMuchDoEstatePlanningAttorneysCharge-1-300x100.png 300w, https:\/\/www.seniorliving.org\/app\/uploads\/2022\/02\/SeniorLiving_AGuideToEstatePlanningAttorney_R1V1__HowMuchDoEstatePlanningAttorneysCharge-1-1024x341.png 1024w, https:\/\/www.seniorliving.org\/app\/uploads\/2022\/02\/SeniorLiving_AGuideToEstatePlanningAttorney_R1V1__HowMuchDoEstatePlanningAttorneysCharge-1-768x256.png 768w, https:\/\/www.seniorliving.org\/app\/uploads\/2022\/02\/SeniorLiving_AGuideToEstatePlanningAttorney_R1V1__HowMuchDoEstatePlanningAttorneysCharge-1-1536x512.png 1536w\" sizes=\"(max-width: 1800px) 100vw, 1800px\" \/><\/p>\n<p>There is no limit to what 55-plus communities can cost. The type of community, the size of the accommodations, and the location all play a role in the price. Some higher-end locations can be just as expensive \u2014\u00a0if not more so \u2014 as owning a home. Since you have the option to rent or own a home in a 55-plus community, both up-front and long-term costs can vary widely. The easiest way to determine costs is to research and tour local communities.<\/p>\n<h3>55-Plus House Community<\/h3>\n<p>Some 55-plus communities are <a href=\"\/retirement\/communities\/\">neighborhoods<\/a> with walkable streets and single-family homes. This is ideal for active, healthy people who still want to have the freedom of living in a house. The cost of renting or owning a home in these communities is often higher than in a standard neighborhood, to account for additional amenities and services.<\/p>\n<h3>Buying a House in a 55-Plus Community<\/h3>\n<p>Buying a house in a 55-plus community allows you to maintain ownership of the property and land. You\u2019ll need to meet HOA requirements, but you will still have all the same freedoms as a homeowner in any other planned community.<\/p>\n<h3>Renting a House in a 55-Plus Community<\/h3>\n<p>Some 55-plus communities offer renting options. You do not own the home, but you can live in it and enjoy the community\u2019s amenities. This is a good option if you aren\u2019t ready to buy or do not want a long-term commitment.<\/p>\n<h3>Buying an Apartment in a 55-Plus Community<\/h3>\n<p>Not everyone wants a lot of land or space to live in, which is where <a href=\"\/apartments\/\">55-plus apartment communities<\/a> come into play. In these locations, individuals have a smaller space, often in a building shared with others.<\/p>\n<p>Buying an apartment or condo in a 55-plus community allows you to own the space. You do not own the land or the building\u2019s shared features, but you have an ownership stake in the property itself. That\u2019s excellent if you want to maintain ownership and plan to live in the area long-term.<\/p>\n<h3>Renting an Apartment in a 55-Plus Community<\/h3>\n<p>For others, renting an apartment in a 55-plus community is better. It can provide an opportunity to move into a 55-plus community without having to make a formal purchase. Renting also gives you the opportunity to try a community before making a more substantial commitment.<\/p>\n<h2 id=\"how-do-i-pay\">How Do I Pay for 55-Plus Senior Living?<\/h2>\n<p>Deciding to purchase or rent a home in a 55-plus senior living community comes down to your <a href=\"\/finance\/\">personal finances<\/a>. Most <a href=\"\/finance\/mortgages\/\">older adults can still obtain a mortgage<\/a> to purchase any type of home in this area. In other cases, it may be best to use cash reserves or investment income to make these purchases. There is no outright financial support for living in these communities, since <a href=\"\/medicare-medicaid\/\">Medicare and Medicaid<\/a> do not, in most cases, provide anything to help pay for 55-plus community costs.<\/p>\n<div class=\"page-tip pro-tip pro-tip\"><div class=\"tip-icon\"><div class=\"tip-title\">Pro Tip:<\/div><div class=\"icn\"><\/div><\/div><div class=\"copy\"><p><strong>Pro Tip:<\/strong> Talk with your family and a trusted financial adviser to evaluate how you will pay for a senior living community.<\/p><\/div><\/div>\n<p>If the location is a 55-plus community with <a href=\"\/assisted-living\/\">assisted living services<\/a> \u2014 which some communities offer at an increased rate \u2014 there may be some financial support for those specific costs. That allowance, however, generally will not pay for housing expenses in these communities.<\/p>\n<h2 id=\"how-can-i-find\">How Can I Find 55-plus Communities Near Me?<\/h2>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-238276\" title=\"what is renters insurance\" src=\"https:\/\/www.seniorliving.org\/app\/uploads\/2022\/09\/what-is-renters-insurance.png\" alt=\"Person sitting on chair looking at renters insurance policy\" width=\"1800\" height=\"600\" srcset=\"https:\/\/www.seniorliving.org\/app\/uploads\/2022\/09\/what-is-renters-insurance.png 1800w, https:\/\/www.seniorliving.org\/app\/uploads\/2022\/09\/what-is-renters-insurance-300x100.png 300w, https:\/\/www.seniorliving.org\/app\/uploads\/2022\/09\/what-is-renters-insurance-1024x341.png 1024w, https:\/\/www.seniorliving.org\/app\/uploads\/2022\/09\/what-is-renters-insurance-768x256.png 768w, https:\/\/www.seniorliving.org\/app\/uploads\/2022\/09\/what-is-renters-insurance-1536x512.png 1536w\" sizes=\"(max-width: 1800px) 100vw, 1800px\" \/><\/p>\n<p>Most states and major cities offer several communities for older adults. Finding them may seem like a challenge, but 55-plus communities are marketing themselves more than ever. That means it\u2019s getting easier to locate them without having to search very far. If you\u2019re having trouble finding a 55-plus community in your area, visit your local senior centers, religious organizations, and medical providers for additional advice on locating one.<\/p>\n<p>It is also important to note that each location is very different. Don\u2019t assume any one location will offer all the services you desire. It\u2019s worthwhile to visit and see these locations firsthand before making a decision. If you would like assistance finding a community that meets your specific needs, please use our <a href=\"\/directory\/\">senior living directory<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The concept of a 55-plus senior living community is simple: people 55 or older live in a planned community with a variety of amenities that cater to seniors. The residents usually live an active and healthy lifestyle, and the community services reflect their specific needs. There are a wide variety of 55-plus communities that offer&#8230;<\/p>\n","protected":false},"author":2,"featured_media":238276,"comment_status":"open","ping_status":"open","sticky":false,"template":"page_templates\/layout-template-2023.php","format":"standard","meta":{"_acf_changed":false,"ep_exclude_from_search":false,"footnotes":""},"categories":[1],"tags":[14925,14903],"class_list":["post-162294","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-corporateseniorcare","tag-retirement","tag-retirement-community"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>55 Plus Communities: Find 55 and Older Senior Living Near You<\/title>\n<meta name=\"description\" content=\"55+ Senior Living Communities are planned communities offering the right atmosphere, layout, and amenities galore. 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