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How to Get Into a 55+ Community: a Step by Step Guide

More and more retirement communities are popping up all over the country. In my city alone, there are three communities that tout that they are for the ages of 55+. These communities are what are known as “age-restricted” communities.

How do you get into a 55+ community? The most obvious step is to be 55 years old or over, but there is a lot more to it than that. Many of these communities have very strict guidelines that are outlined in an HOA as well as an application process.

This is a step by step guide of what is involved in getting into a 55+ community. We will talk about the most basic step of knowing if you are ready to live in a community, right down to the pros and cons of being a part of an “age-restricted” neighborhood.

Am I Ready For a 55+ Community
There is more to being ready for one of these communities than simply age. As you consider whether or not a retirement community is for you, here are a couple of questions to ask before you take the leap and move into a retirement community.

What can I afford? This may be the most important question to ask before you start looking for a home in one of these communities. If you are retired and live on a fixed income, you need to make sure you understand the fees associated with these communities. These are in addition to your mortgage or rent (depending on whether or buy or lease) and do not include any dining or healthcare.
You will need to decide if it is financially wise to leave your current housing situation for a 55+ community. It isn’t worth it to sacrifice your financial security for one of these age-restricted communities.

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