What Are 55+ Communities? A Guide to Active Adult Living and Retirement Communities

Retirenet Media Team

Discover the benefits, features, and lifestyle of 55+ communities—and explore options on Retirenet.

By Retirenet Media Team

 

What Are 55+ Communities? Everything You Need to Know

As you approach retirement or begin planning for your next chapter, housing becomes a major consideration. You might want a lifestyle that balances independence, social connection, low maintenance, and access to amenities—all while being surrounded by people in a similar stage of life. That’s exactly what 55+ communities are designed to offer.

In this guide, we’ll explore what 55+ communities are, the types of homes and amenities you can expect, the benefits of living in one, how they differ from assisted living or retirement homes, and how to find the right 55+ community for your needs. Whether you're actively looking or just curious, understanding this housing option can help you make an informed decision.

What Is a 55+ Community?

A 55+ community—also known as an active adult community, retirement community, or age-restricted community—is a neighborhood where at least one resident in 80% of the occupied homes must be age 55 or older. These communities are governed by the federal Housing for Older Persons Act (HOPA) and are designed to support a vibrant, independent lifestyle for adults nearing or in retirement.

These communities are not nursing homes or assisted living facilities. Instead, they typically offer single-family homes, condos, townhomes, or apartments in a setting that fosters social interaction, convenience, and low-maintenance living.

Key Features of 55+ Communities

Here’s what makes these communities stand out:

1. Age Restriction

Most require at least one resident to be 55+, although spouses or partners can often be younger (usually at least 40 years old). Some communities are more flexible, while others are strictly 55 and up.

2. Low-Maintenance Living

Many 55+ communities include services such as lawn care, landscaping, and exterior home maintenance in the HOA fees. This lets residents focus on enjoying life rather than managing a property.

3. Amenities Designed for Active Adults

Amenities vary by community but may include:

• Clubhouses

• Pools (indoor and outdoor)

• Golf courses

• Fitness centers

• Walking and biking trails

• Tennis and pickleball courts

• Organized activities and social clubs

4. Security and Peace of Mind

Some communities are gated or have on-site security, providing an extra layer of comfort for residents.

5. Sense of Community

With neighbors in a similar life stage, many residents find it easier to form friendships and enjoy social activities together.

Types of Homes in 55+ Communities

The types of residences available vary depending on the community:

• Single-family homes – Great for retirees who still want space and privacy.

• Townhomes or villas – Offer a balance of privacy and community living.

• Condominiums – Ideal for those who want lower maintenance and shared amenities.

• Apartments or rental units – Provide flexibility for those who aren’t ready to buy.

You can explore different home styles in 55+ communities on RetireNet.com, where listings range from luxury homes to more affordable options in a variety of locations.

Benefits of Living in a 55+ Community

There are many reasons why retirees and near-retirees choose to move to 55+ communities:

1. Active, Social Lifestyle

These communities are built around social engagement. You’ll often find activities such as yoga classes, book clubs, happy hours, art workshops, volunteer opportunities, and more.

2. Freedom From Home Maintenance

With HOA fees covering exterior maintenance, you can spend less time doing chores and more time doing what you love.

3. Safety and Security

Many 55+ neighborhoods are located in secure, gated areas with low crime rates, giving residents peace of mind.

4. Downsizing Opportunities

If your children have left home, moving to a smaller, more manageable house can make life easier and more affordable.

5. Health and Wellness Support

Fitness centers, walking trails, and wellness programs help you stay physically and mentally active.

6. Financial Predictability

Many 55+ communities have HOA fees that include utilities, amenities, and maintenance. This can help with budgeting.

7. Ideal for Travel Enthusiasts

Want to travel more in retirement? With maintenance and security handled, you can lock the door and go without worry.

How 55+ Communities Differ From Other Retirement Living Options

Feature	55+ Community	Assisted Living	Continuing Care Retirement Community (CCRC)
Age restriction	Yes (typically 55+)	No	No (though often seniors only)
Independence level	Fully independent	Varies, often assistance provided	Varies (can include assisted and skilled care)
Medical care provided	No	Yes	Yes, depending on care level
Housing types	Homes, condos, rentals	Apartments with care	Varies, from apartments to nursing care
Lifestyle focus	Active, social, independent	Care and support	Long-term aging plan

 

 

Who Should Consider a 55+ Community?

You may thrive in a 55+ community if you:

• Are 55 or older and want to be around peers

• Are active and independent

• Want access to amenities like pools, gyms, and clubs

• Prefer a lower-maintenance lifestyle

• Are looking to downsize or relocate

If you need ongoing medical or mobility support, a different type of senior housing may be a better fit.

Popular Locations for 55+ Communities

People often choose 55+ communities in locations with mild weather, affordable living costs, and strong recreational offerings. Popular destinations include:

• Florida – Great weather and endless golf. Explore Florida 55+ communities.

• North Carolina – Mountain and coastal communities. See NC 55+ communities.

• Arizona – Desert landscapes and resort-style living. Browse Arizona 55+ communities.

• South Carolina – Southern charm and beach access. View SC 55+ communities.

• Texas – Big state, big variety. Check out Texas 55+ communities.

How to Find the Right 55+ Community for You

Here are some tips to help you narrow your options:

1. Determine Your Priorities

What’s most important—location, climate, budget, amenities, home style, or something else?

2. Set a Budget

Factor in not only the cost of the home but also HOA fees, utilities, and taxes.

3. Visit in Person

Touring a community is the best way to get a feel for its atmosphere, amenities, and residents.

4. Talk to Residents

Ask current residents about what they love—and don’t love—about the community.

5. Use Reputable Resources

Sites like RetireNet.com offer comprehensive directories, community spotlights, and search filters to help you find the best 55+ communities across the U.S.

Real Examples of 55+ Communities on RetireNet

Here are just a few standout listings you can explore:

• The Preserve – Lake Suzy, FL : Known for extensive amenities, clubs, and a strong sense of community.

• Sun City Carolina Lakes – Fort Mill, SC: Offers lakes, golf, and a vibrant lifestyle just outside Charlotte.

• Rockrose Ranch – Willis, TX: A maintenance free, gated, and affordable 55+ community.

• Riverside Club Golf and Marina Community – Ruskin, FL: Beautiful homes and resort-style living with premium amenities.

A 55+ community can be the perfect blend of independence, convenience, and connection for those ready to enjoy their next phase of life. Whether you’re looking to downsize, relocate, or simply live among peers who share your interests, this type of community offers a lifestyle that’s both enriching and rewarding.

Start your search today by browsing 55+ communities on RetireNet.com—your trusted resource for active adult living.