Disclaimer: The information presented in this article is compiled from publicly available government and industry sources found online. We are not legal or real estate experts. For specific legal advice or professional guidance regarding age-restricted housing, please consult with qualified attorneys, real estate professionals, or relevant government agencies.
Some people ask, “Can you live in a 55 plus community if you are younger?”
According to federal law, you may live in a 55+ community if you’re under 55, but only under specific circumstances. It requires these neighborhoods to maintain an “80/20 rule”: 80% of homes must house someone 55 or older, leaving 20% available for younger people with qualifying relationships.
If you’re drawn to the active lifestyle, resort-style amenities, and close-knit neighborhoods that define these developments, you’re not alone. According to industry research, the active adult housing market reached $587.7 billion in 2022 and continues growing at 4% annually, with 53% of recent survey respondents citing community living as their top moving motivation.
How Age-Restricted Housing Works
You might wonder how age-restricted housing exists when discrimination laws protect most groups. According to federal housing regulations, the answer lies in specific federal legislation designed to support older adults’ unique housing needs.
What Is HOPA and the 80/20 Rule?
The Housing for Older Persons Act of 1995 (HOPA) modified the Fair Housing Act to allow age-restricted communities, provided they meet strict federal requirements. According to federal housing law, this creates three categories of legal senior housing:
- Government programs specifically designed for elderly persons
- Housing solely for people 62 and older
- Housing for people 55 and older (with the 80/20 rule)
Under federal guidelines, a minimum of 80 percent of occupied residences must have at least one resident who is 55 or older. This regulation allows for up to 20% of units to potentially accommodate younger residents.
However, industry sources suggest that most established active adult neighborhoods maintain occupancy rates well above the minimum 80% threshold for age-qualified residents, limiting opportunities for younger people.
Can Someone Under 55 Live in a 55+ Community: Who Qualifies Under 55?
Spouses and Life Partners
According to industry sources, the most common scenario involves age-gap relationships. As long as one of the residents is over 55, spouses who do not meet the age requirement are welcome.
Important considerations according to industry reports:
- Most neighborhoods set minimum age limits for younger spouses, usually around 40 years old
- There is no protection for underage spouses under HOPA upon the death of the age-qualified spouse
- Younger spouses count toward the 20% allocation
Adult Children and Other Household Members
According to industry guidelines, most communities will allow a person over 19 to live with you, but others will allow age exceptions and may have time limits on the number of days lived in the home annually.
Limited exceptions exist for:
- Disabled adult children requiring care
- Live-in caregivers for qualifying residents
- Property management employees and their families
- Specific state law provisions
Can Someone Under 55 Live in a Senior Community: Federal vs. State Standards
Based on legal information, individual states may implement regulations that offer greater protection for residents beyond what federal law requires. It’s advisable to investigate your state’s specific rules before proceeding with housing plans, since local requirements can be considerably more restrictive than federal standards.
What Makes These Neighborhoods So Appealing?
The Active Adult Lifestyle
Industry sources indicate these aren’t just regular neighborhoods with age limits; they’re designed around a specific lifestyle philosophy. According to housing industry reports, 55+ homes are typically found in vibrant locations and socially engaged communities and often include amenities like nature trails, pools, and recreation centers.
Low-Maintenance Freedom
According to industry descriptions, many developments handle:
- Exterior home maintenance
- Landscaping and lawn care
- Snow removal and seasonal upkeep
- Common area maintenance
Industry sources suggest this frees residents from travel, hobbies, and social activities without the burden of home maintenance tasks.
Built-in Social Networks
Survey data shows that 64% of respondents expressed interest in health and fitness groups within communities, underlining the importance of wellness for active adults. Industry observations indicate that social clubs naturally form around shared interests, from book clubs to pickleball leagues.
Weighing Your Options: Pros and Cons
Advantages for Any Age
- Stress-Free Living: Industry sources report no yard work or exterior maintenance responsibilities
- Quality Amenities: According to industry analysis, professional-grade fitness centers, golf courses, and recreation facilities typically cost much more in traditional neighborhoods
- Peaceful Environment: Industry reports suggest age restrictions create quieter, more predictable living situations
- Security Features: According to industry descriptions, gated entrances and security patrols provide enhanced safety
Potential Challenges for Younger People
- Limited Peer Groups: According to industry studies, while studies show that the average adult resident is 76, almost 25% of respondents in a survey were younger than 70. Industry data suggests you might find fewer people in your age bracket.
- Visitor Restrictions: Industry sources report grandchildren and young guests face limitations on amenity use and visit duration
- Higher Monthly Costs: According to industry data, HOA fees covering extensive amenities can range from $200-$1,000+ monthly
- Cultural Differences: Industry observations suggest social activities and programming center around older adult interests and schedules
Alternative Paths to Consider
If 55+ communities don’t align with your current situation or preferences, several other housing options can provide the lifestyle benefits you’re seeking without age restrictions.
Traditional Neighborhoods With Amenities
Many newer developments and established communities offer resort-style amenities without age limitations. Look for neighborhoods with community centers, pools, fitness facilities, and organized activities that welcome residents of all ages. These communities often provide the social connections and recreational opportunities that make 55+ developments appealing.
Senior-Focused Communities With Flexible Options
Some senior living communities offer more flexible arrangements that don’t require strict age compliance. These might include:
- Communities that focus on lifestyle rather than age requirements
- Developments with a mix of independent living and assisted living options
- Neighborhoods designed for active adults but are open to younger residents, especially those with special needs like rehabilitation, assisted living, or skilled nursing skills
Comprehensive Senior Living Solutions
For those planning ahead or supporting aging loved ones, consider communities that offer a full spectrum of care options. This approach allows you to establish roots in a community that can adapt to changing needs over time, from independent living to comprehensive care services.
If You’re Exploring Senior Living Options, Let StoneBridge Guide Your Way
If you have a family member or know someone exploring 55+ neighborhoods or considering comprehensive senior care options, finding the right living solution requires expert guidance and compassionate support. For over 50 years, StoneBridge Senior Living has been helping families navigate these important decisions across Missouri, Arkansas, and Illinois.
Our family-owned approach means we understand that choosing senior housing isn’t just about amenities. It’s about finding a place where you feel valued, cared for, and truly at home. With our spectrum of care options, including assisted living, memory care, rehabilitation, and skilled nursing, we support your journey through every stage of life. Please note that some services and amenities may not be available at all locations.
Discover the StoneBridge difference for yourself. Contact us today to schedule a personal tour and learn how our compassionate, professional team can help you or your loved one find the perfect community to call home.