Who Can Live in a 55+ Community?

As more people approach retirement, many seek a fresh start in an over 55 community. These neighborhoods are specifically designed for those 55 and older, offering an ideal setting for an active and social lifestyle. But who exactly is eligible to live in a 55+ community? Let's explore the requirements, age restrictions, and unique rules that come with these communities.

What is a 55+ Community?

A 55+ community is a housing development where at least one resident per household must be over the age of 55. These communities are created with the needs of active adults in mind, offering amenities such as fitness centers, pools, and social activities. Typically, these age-restricted communities prohibit anyone under the age of 18 from residing full-time. The goal is to create an environment that supports residents in the later stages of life, building a sense of community and relaxation.

Do You Have to Be 55 to Live in a 55+ Community?

While the name suggests a strict age limit, the answer is more nuanced. Typically, one member of the household must be 55 or older, but there are exceptions. For example, some 55-plus communities allow spouses or other family members who are younger than 55 to live in the household. 

 

Additionally, under the Housing for Older Persons Act (HOPA), a community can permit a small percentage of residents to be younger than 55, provided that at least 80% of the homes are occupied by someone over 55.

However, it’s important to check with each specific community’s rules, as variations exist between different locations and states.

Age Restrictions in 55+ Communities

Age restrictions in over 55 communities are in place to preserve the focus on adult living. While the 80/20 rule allows flexibility, where 80% of homes must have a resident over 55, no one under 18 is permitted to live there permanently. In certain cases, a younger person may live with a qualifying resident due to factors like a disability or if they were residing with the senior before their absence or hospitalization.

In California, 100% of homes must have a resident who is 55 years or older, with a "qualified permanent resident" allowed to live with them under specific conditions, such as providing care or financial support.

If a spouse is younger than 55, they may live in the community as long as one resident meets the age requirement, though they count towards the 20% exception.

 

Active Adult Communities

Active adult communities cater specifically to the needs of older adults, offering a range of amenities and services created to promote an active and social lifestyle. These communities often feature walking trails, fitness centers, and dedicated spaces for social clubs, providing ample opportunities for senior residents to stay engaged and connected.

For example, Greystar’s active adult communities offer a "lock-and-leave" lifestyle, with the flexibility of maintenance-free living and optional services like à la carte meals, social hours, and wellness programs. Whether you're looking for a vibrant social scene or a quieter, more private setting, these communities provide a variety of tailored experiences to suit individual lifestyles.

Because not all over-55 communities offer the same amenities or activities, it’s important to consider what aligns best with your preferences. Whether it’s enjoying planned trips, a shared clubhouse, fitness classes, or wine tasting events, Greystar’s communities are designed to foster a sense of personal fulfillment, allowing residents to explore new hobbies, meet like-minded individuals, and focus on their overall well-being.

 

What About Family and Guests?

The question often arises: Can children live in a 55+ community? As mentioned, the primary limitation concerns long-term residents under 18. However, children may be allowed to visit, and some communities have more lenient rules during certain times of the year, such as holidays or school breaks. It's important to clarify the rules with the HOA (Homeowners Association) in your prospective community.

Your Lifestyle, Your Choice

55 and older communities are becoming a popular choice for those in or nearing retirement, offering an ideal living environment. Greystar’s active adult communities cater to diverse lifestyles, with flexible living options and amenities tailored to meet the needs of older adults. 

While the primary requirement is that one member of the household is 55 or older, exceptions are made for spouses and family members. Greystar communities provide a range of experiences, from vibrant social scenes to quieter, private settings, ensuring there's something for everyone.


Learn about the Overture Lifestyle.
Learn about the Album Lifestyle.
Learn about the Everleigh Lifestyle.

 

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