Have you considered the pros and the cons of living in a age 55 and over community?
Many seniors 55 and over contemplate the different living situation options. One popular option
is moving into a over 55 community. These communities are also referred to as active adult
communities.
These communities are designed for those age fifty-five and older. They offer unique benefits
that are tailored to the empty nester and the retires. As with any choices in life and lifestyles
there are always pros and cons to be considered before diving right in. Let’s take a look at the
advantages and possible drawbacks to help you decide if this lifestyle could align with your
preferences and goals.
What is an Over-55 Community?
The over 55 communities are residential developments or neighborhoods that are specifically
for older adults. They have a minimum age restriction or requirement. The requirement usually
makes it mandatory that at least one resident in the household to be 55 or older. The focus is on
creating a lifestyle centered around leisure, convenience and community.
The amenities at each community can vary. Some of the common amenities are, single story
home or condominiums designed for easy accessibility. There can be golf courses, fitness
centers, pool or clubhouses. Often there are recreational and social activities along with
maintenance free living. the living environment usually includes the landscaping, lawn care and
snow removal.
Let’s discuss the pros if you decide on living in this kind of community.
One pro and a big benefit can be a sense of community. The chance to connect with likeminded peers at similar stages in life. The community is structured in a way to foster
camaraderie and foster interaction through social events and clubs.
Some activities often found are Book clubs, card tournaments, yoga classes and group outings.
This is all important because building friendships and staying socially active can improve your
emotional and mental well-being.
Another pro to consider is low maintenance living. Low maintenance or free maintenance living
can be a major attraction for residence. The benefit is spending more time enjoying your
hobbies or traveling and less time doing things that are seen as chores.
You will find age-appropriate amenities. These are features that enhance your quality of life.
This could be wider doorways in the home or grab bars in the bathrooms to help prevent falls.
Some also include walking trails to encourage movement and an active lifestyle. The emphasis
on activities and wellness programs can be set up to keep the residents engaged. This could
include Aerobics, swimming and other low impact exercises. The community might hold
nutrition classes, meditation sessions or health seminars.
Over 55 communities could provide some peace of mind and a sense of security for some. The
community may have a guarded gated entrance, security patrols or perhaps a neighborhood
watch. Some people feel a sense of security by being surrounded by plenty of neighbors. This
can create a built-in support system which is helpful in emergencies.
For Seniors looking to simplify their living, these communities often provide smaller sized
homes that are easier to manage. A smaller home could mean lower utility bills. A smaller home
could mean downsizing, and letting go of things you don’t need. This could be liberating.
For those who have grown children, and or live alone, the over 55 community can offer a
chance to meet other empty nesters and enjoy a life that focuses on their interests.
We have explored some of the wonderful pros of living in this type of community. Let’s explore
some of the cons. This environment may not be for everyone. One of the potential drawbacks
to consider is the possible lack of diversity in interactions. With most in the community being in
the same age range interactions could feel limiting. One could feel like they are missing out on
something. Mixed age ranges could offer variety and a sense of energy. If you are used to
spending a lot of time with family members who don’t fit in with the age restrictions it could
feel isolating.
A con to be considered is that 55 and up community living can come with a premium price tag.
The home prices can be more expensive than similar homes in traditional neighborhoods.
Community living can also come with an HOA or home owners’ association fee. The yearly fees
can add up and they can also increase over time. The fees and the rules can feel restrictive. The
rules might include limits on home modifications or the number of guests that are allowed.
Residence who are used to being independent might find these regulations stifling. The lack of
variety in housing style may feel uncomfortable if you like a two story or a larger style home.
Trying to sell a home in a over 55 community could be difficult due to the restrictions. The
buyers will have to meet the age requirements would could mean a smaller buyers’ market
when time to sell.
Over 55 living communities are often located in rural or suburban areas which might not suit
everyone’s needs. It might take longer time to travel to healthcare and shopping needs. For
those who don’t drive public transportation could be limited.
Socially one might feel overwhelming pressure to participate in events or to conform. If you
have more of a loner type personality the community could feel awkward to you.
Is this kind of living community right for you?
Choosing to move into a 55 and over community is up to you and your preferences. It’s up to
your lifestyle choice and your priorities. Do you value a sense of community? Are you looking
for low maintenance living and hassle-free homeownership? Would you prefer a mixed age
environment? If so, this might not be for you. Have you evaluated your budget? Do HOA fees
align with your financial situation?
If you are searching for the right over 55 community, take the time to research your options. Make sure to visit multiple communities. Tour the neighborhood and the surrounding areas. Ask about the restrictions and the costs of each community. If you have the opportunity, talk with residents that are currently living there. Ask what they like and what they don’t like. Think about the future. Choose a place that will continue to fit you as you age.
Living in this kind of community can be rewarding. The social connections can outweigh the drawbacks. Make sure it aligns with your expectations. It can offer a unique opportunity to enjoy your retirement years in comfort. Take the time to research and find the perfect place to call home.