Who Can Live in a 55+ Community?

A 55+ community can offer a relaxing, vibrant, and worry-free lifestyle for retirees and active adults. Whether you're looking to downsize, enjoy resort-style amenities, or live in a community of peers, age-restricted communities provide an array of benefits. But what are the rules? Can someone younger than 55 live there? And what if your grandchildren want to visit? This guide answers these questions and more to help you determine if a 55+ community is the right fit for you and your loved ones.

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What is a 55+ Community?

A 55+ community, often referred to as an "Active Adult" community, is specifically designed for individuals aged 55 and older. These communities are age-restricted, meaning residents must meet the age requirement to purchase or rent a property. However, there are some exceptions, which we will explore below.

Explore Active Adult Communities

These communities cater to an older demographic by offering a range of amenities like clubhouses, fitness centers, golf courses, and social activities. The homes are often designed for easy maintenance, making life simpler for retirees who want to spend more time enjoying life and less time worrying about home upkeep.

Can Someone Younger Than 55 Live in a 55+ Community?

Exceptions to the 55+ Rule

While the general rule is that one household member must be at least 55 years old, there are a few exceptions. Under the Housting for Older Persons Act (HOPA), communities can allow up to 20% of their residents to be younger than 55. However, this decision is at the discretion of the community’s Homeowners Association (HOA).

Common Exceptions

Spouses Under 55: If one partner is over 55, the younger spouse can typically live in the community, though it's essential to check the specific community rules.
Adult Children: Many 55+ communities allow adult children (over 18) to live with their parents, especially if they are providing care or support.
Disability Exceptions: Some communities make exceptions for individuals with disabilities, even if they are younger than 55.

Can Children Live in a 55+ Community?

While most 55+ communities do not allow individuals under 18 to live in the community full-time, there are provisions for visiting family members. Grandchildren, nieces, nephews, and other younger family members are typically allowed to visit for short periods.

Visitation Limits

Many communities have rules on how long visitors under 55 can stay, ranging from one week to several months each year. These limits are in place to maintain the quiet, adult-focused atmosphere of the community.

Special Amenities for Children

Some 55+ communities offer special events or weeks dedicated to grandchildren, where they host family-friendly activities. It's always worth asking about these programs if you expect frequent visits from younger family members.

Can I Rent My 55+ Community Home to Someone Under 55

Most 55+ communities do not allow homeowners to rent their property to individuals under the age of 55. These restrictions are typically part of the HOA rules and are meant to ensure that the community maintains its intended demographic. If you're considering renting out your home, check with the HOA to see what specific rules apply.

What Happens If the 55+ Resident Passes Away?

Inheritance Rules

If a 55+ resident passes away, their home can still be inherited by a younger family member. However, whether that family member can occupy the home depends on the community’s specific rules. Some communities allow younger heirs to live in the home, while others require them to sell it.

Legal and HOA Considerations

If you plan to leave your home to a younger family member, it’s important to involve both the community HOA and a lawyer in the planning process to ensure the inheritance is handled properly.

What Are the Key Features of a 55+ Community?

Living in a 55+ community comes with a variety of perks designed to enhance your lifestyle.

Resort-Style Amenities

Many 55+ communities offer resort-style amenities such as:

Fitness centers with group classes like yoga and pilates.
Swimming pools, often with designated times for water aerobics.
Golf courses, tennis courts, and pickleball courts.
Clubhouses that host social events, workshops, and hobby clubs.

Low-Maintenance Living

Homeowners in these communities can expect easy living with landscaping, maintenance, and other services taken care of by the HOA. This frees up time for leisure and social activities, reducing the typical burdens of homeownership.

Frequently Asked Questions About 55+ Communities

Can I Still Work While Living in a 55+ Community?

Yes! Many residents in 55+ communities continue to work either full-time or part-time. The key requirement is meeting the age restriction, not your employment status.

Can My Pets Live with Me?

Most 55+ communities are pet-friendly, though there may be restrictions on the number, size, or type of pets allowed. Be sure to check the community’s pet policy before moving in with your furry friend.

How Do I Find the Right 55+ Community for Me?

Start by considering your lifestyle preferences, budget, and location. Do you want to live near the beach? Do you prioritize having access to amenities like golf courses or fitness centers? Once you have a list of must-haves, visit communities in person to get a feel for the environment and meet potential neighbors.

Is a 55+ Community Right for You?

If you're looking for a quieter, low-maintenance lifestyle surrounded by peers with similar interests, a 55+ community could be the perfect fit. While there are specific rules and restrictions, many of these communities offer flexibility, especially for younger spouses or adult children. Whether you want to enjoy resort-style amenities or simply downsize to a more manageable home, there are plenty of options available to suit your needs.

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