Who Can Live in a 55+ Community? Essential Rules & Regulations

Retirement may be just around the corner as you transition into the next chapter of your life. Whether you’re looking to downsize, explore new hobbies, or enjoy more freedom, a 55+ community could be the perfect place to begin this exciting journey. These age-restricted communities are designed for those aged 55 and older, offering a lifestyle filled with amenities, activities, and a sense of belonging.

What is 55+ Housing?

A 55+ community is a residential area where at least one person in each household must be 55 or older. These communities are often referred to as active adult communities, and they provide a social, vibrant environment for retirees and empty nesters. They also typically prohibit permanent residency for anyone under 18, although visitors are welcome under certain conditions.

Key Features of 55+ Communities

1. Fitness & Wellness:
   Staying active is accessible in a 55+ community, with amenities like fitness centers, group exercise classes, swimming pools, and sports courts, including tennis and pickleball.
2. Social Amenities:
   Community clubhouses, restaurants, golf courses, and organized activities provide endless opportunities to socialize and make new friends.
3. Maintenance-Free Living:
   Most communities have a Homeowners Association (HOA) that handles exterior landscaping and maintenance, allowing you to enjoy a well-kept environment without the hassle.

Age Rules & Regulations in 55+ Communities

1. Age Restrictions:
   To maintain the community’s age focus, at least one resident in the home must be 55 or older. Residents under 18 are typically not allowed to live in the community, but visits are allowed with specific guidelines.
2. The 80/20 Rule:
   Based on federal law, this rule requires that 80% of homes must be occupied by at least one person 55 or older. This ensures the community remains age-restricted while allowing some flexibility.
3. Spouse Age Considerations:
   If you have a younger spouse, don’t worry—most 55+ communities allow them to live with you as long as one resident meets the age requirement.
4. Children & Young Adults:
   While children under 18 cannot live in these communities, some exceptions exist, especially for short-term stays. Each community has its own guidelines, so check the specific rules.

Understanding the 80/20 Rule in 55+ Communities

The 80/20 rule is essential for maintaining the age qualification of 55+ communities. It ensures that the community remains primarily composed of residents aged 55 or older, with up to 20% of homes occupied by younger residents under certain conditions. This rule helps preserve the community’s intended atmosphere while offering some flexibility.

What Happens If My Spouse is Younger Than 55?

Many couples have an age gap, and most 55+ communities accommodate this by allowing a younger spouse to live in the home. However, specific community rules may apply, especially if the older spouse passes away, so reviewing the community’s CC&Rs (Covenants, Conditions & Restrictions) is crucial.

Can Children Live in 55+ Communities?

In general, children under 18 are not allowed to live permanently in a 55+ community. However, grandchildren and other young visitors can often stay for short periods, with community-specific rules outlining the duration and use of amenities during their visit.

Where to Find a 55+ Community

If you’re ready to explore this lifestyle, Shea Homes and Trilogy® 55+ communities offer various options with resort-style amenities and a welcoming environment. Researching and visiting different communities is essential to find the perfect match for your needs and lifestyle.

FAQs About 55+ Communities

1. Can My Grandchildren Visit?
   Absolutely! Grandchildren and other young relatives are welcome to visit. Each community has rules regarding the length of stay and access to amenities, so be sure to check those details.
2. What If I Want to Leave My Home to a Younger Family Member?
   A younger family member can inherit your home, but they may not be able to live in it if they don’t meet the age requirement. It’s advisable to consult with a lawyer and the community’s HOA to explore your options.
3. Can I Rent My Home to Someone Under 55?
   Generally, renting your home to someone under 55 is not permitted in these communities. If you’re considering renting, always check the community’s CC&Rs and consult with the HOA.

Is a 55+ Community Right for You?

A 55+ community offers a unique blend of independence, social interaction, and maintenance-free living. Whether you want to make new friends, enjoy resort-style amenities, or simply downsize to a more manageable home, a 55+ community could perfectly fit your retirement lifestyle.