What Are Active Adult Communities and Which One Is Best for You?
Written by TYE Medical on Mar 18th 2024
If you’re over 55 you may have considered a senior living community but have concerns that the traditional retirement community may not be a right fit for you. If you’re still active and have a social life, engaging with friends and family, these communities may be less appealing. But there is an option that allows you to enjoy maintenance-free living with greater independence and a more active lifestyle: it’s called active adult communities.
Active Adult Community Benefits
As people become healthier and more independent in their later years, interest in active adult communities continue to grow. So, what is the draw?
As noted, they offer a more independent living than other types of retirement communities. Residents don’t need skilled nursing or help with daily self-care or meals. Active adult communities are usually more lifestyle oriented with a focus on socialization, wellness, and programs for active seniors. You will usually find:
- Outdoor activities and sports like tennis, golf, pickleball, basketball, etc.
- Exercise and wellness classes like yoga and mindfulness
- Updated fitness facilities
- Outside trails and parks
And when you live in an active adult community you’re still free from the burdens and demands of home maintenance. This is a big reason why many seniors choose retirement communities, and you still gain this advantage when you choose this more active and independent option.
Some of these communities require that at least one person in each residence meet a minimum age requirement. About 80% of retirement communities have age-restrictions. Other communities target seniors over age 55 but don’t limit residency based on age.
You have the option of owning or renting properties that include townhomes, apartments, condos, and single-family homes. Some communities even offer the option of renting or buying a mobile home.
Active Adult Community Costs
The average cost of a 55-plus community ranges from $1,500 to $4,000 per month. Of course the price depends on the specific community and its location. Typically, you can cage senior community costs by the cost of real estate in a given area. Other factors like the number of bedrooms or luxury amenities will affect the cost of an active adult community.
Typically, your community will charge an HOA (homeowners association) fee in exchange for grounds keeping, landscaping, snow removal, and general maintenance. Be sure to ask about HOA or maintenance fees before you buy into a community. These fees vary widely, and you want to be sure there are no unwelcome surprises. Some good questions to ask:
- What are the additional fees?
- What do the fees cover?
- How much have fees increased in the past?
- How much are they expected to increase in the future?
Before you sign for a property, also ask if there is a down payment for renting and what amenities are included with your property.
“Niche” Communities
Active adult communities that have a “niche” or “affinity” focus are becoming increasingly popular. While most people tend to be closer to retirement age, these communities are less age-focused and more interest-focused.
Members of these communities share a common interest that is the heart of the community. For example, you may choose a community based upon your interest in golf, a specific culture, health and wellness, religion, the arts, pets, gardening, a professional background, and more.
While it can be comfortable to live in a community that shares your most passionate interest, it’s also limiting. These communities are less diverse and attract the same types of people. Understanding this can help you weigh your options and decide what is best for you. After all, will this “niche” still be your primary interest after five years?
Amenities in Active Adult Communities
A typical active adult residence varies from 650 to 2,200 square feet and sometimes more. Many are situated with easy access to trails and parks and are close to shopping centers. Some communities are even connected to retail businesses like coffee shops and cafes. For convenience, most active adult communities are located in suburban or urban areas with access to entertainment, museums, and restaurants.
You’ll find a variety of common areas are also typical. These encourage socialization as people interact in fitness centers, dog parks, pools, clubhouses, and outdoor kitchens. Some active adult communities offer concierge services to help coordinate third party grocery deliveries, housekeeping services, and transportation.
Healthcare services aren’t usually part of an active adult community, some have on-site offices for home health agencies or rooms set up for telehealth visits. Just keep in mind that active adult communities are primarily lifestyle oriented and not health care oriented.
Is Active Adult Living Is Right for You
Active adult communities are an attractive option for seniors over 55 who want a more socially engaging and active retirement community. If you don’t need daily health care and want to maintain an independent lifestyle, an active adult community may be a right fit. You can enjoy the benefits and amenities of an engaging community without the burden of maintaining a home and property.
Just be sure to consider several options, tour facilities, and ask questions before making a decision.
