5 of the Best 55 Plus Communities in Florida

What are the most popular retirement cities in Florida?

According to U.S. News & World Report, some of the most popular or best cities in Florida for retired or older Americans include:

• Miami (population 464,655)
• Tallahassee (population 205,079)
• Fort Myers (population 104,100)
• Port St. Lucie (population 270,491)
• Pensacola (population 53,222)
• Jacksonville (population 1,008,485)
• Naples (population 20,084)
• Ocala (population 71,504)
• Orlando (population 329,347)
• Melbourne (population 88,222)
• Lakeland (population 127,848)
• Sarasota (population 59,211)
• Tampa (population 413,657)
• Daytona Beach (population 89,290)

Why do seniors choose Florida to retire?

There are many reasons why Florida is an appealing destination for Americans making a move to retire or to downsize in anticipation of retirement. Some of the most notable include:

Our picks for some of the best 55+ communities in Florida

Florida is home to hundreds of 55+ communities, offering a wide variety of options for retirees seeking a vibrant and fulfilling lifestyle. Based on the parameters we listed above, we provide information about some communities we feel are worth extra consideration. We also have a section on how you can locate 55+ communities in your area.

All prices in this post are based on active listings at the time of writing and advertised price ranges provided by community sales offices.

How can I find a 55+ community near me?

Florida is home to a wide variety of 55+ communities, offering options to suit different lifestyles and preferences. One way to see your choices is to search the internet with phrases such as “55 and older communities near me” or “retirement communities near me.” Check ratings, reviews, and comments posted on the Better Business Bureau, Google Reviews, and industry websites.

Another way to find a quality 55+ or retirement community near you is to consult a top real estate agent in your area. An experienced agent who knows your market can provide valuable insights into community characteristics, such as crime rates, affordability, home construction quality, and the reputation of the governing association.

12 questions to ask before you buy a home in a 55+ community

Here are 12 essential questions to ask before you commit to purchasing a home in a 55+ community.

1. Will I own the home, or is this a lease community?

This may seem obvious, but 55+ or retirement communities feature various types of property. You may want to own your home for financial reasons, or you may wish to lease a unit to maximize your flexibility in retirement.

Some communities offer both, while others may allow you to own and lease out your property. Check community rules (see #3 on this list) before renting your property out if that is part of your retirement plan (for instance, if you’re out of state for part of the year). Not all communities permit renting residents.

2. What is included in your monthly payment?

Identifying all the costs of living in the community is important, not just rent or mortgage payments. Consider what’s included with your monthly property expenses; a few to consider are:

Be sure to get the most for your dollar and that you aren’t paying for amenities that will go unused.

3. What are the community rules?

Most active adult communities have a set of rules that residents must follow. These might include:

4. What are your new neighbors like?

Good neighbors play a considerable role in your quality of life, especially when you retire. Learn about what life is like in the neighborhood.

If possible, attend some community events and get to know some of the residents in your prospective neighborhood. Many communities offer “discovery” events, including overnight guided tours of various home options and neighborhood amenities.

Many 55+ communities offer social events like book clubs, art classes, fitness activities, cookoffs, and more to connect residents. You may be looking for a community of like-minded people with shared interests or seeking exposure to diversity where you live.

No matter what you’re looking for, knowing what’s in store socially will factor into your decision-making process. For example, some communities value quiet and calm, while others offer a more lively pace.

5. What plans are there for the adjacent property?

This is a crucial question for newly constructed 55+ communities. Knowing what you can expect to find nearby can be increasingly important as one ages (and potentially as one’s mobility declines).

Know whether properties adjacent to your own are planned for further residential development or if there are other things in store. If you plan to stay at this property indefinitely, you’ll want to know whether that vacant lot nearby is fated to become an elementary school or a regional airport. Such developments could have a long-term impact on your property’s appeal and value.

6. What type of assessments have been made?

Assessments can be expected for any community development, but for seniors living on a fixed income, being able to predict your property taxes may be crucial to balancing the rest of your budget each month.

Even once your mortgage payment is a thing of the past, property tax bills will continue — and you’ll want to know what to expect. In addition, property taxes vary depending on where you are looking to buy, so be mindful of the cost and whether it has a history of fluctuating.

7. Is the community financially sound?

Know if the developer and association are on solid financial ground before you commit to purchasing or leasing a home. These parties are often responsible for community maintenance and amenities, so you will want to verify their solvency as much as you want to ensure your home is the right fit.

In short: do your homework! Don’t be afraid to ask for detailed information about board governance or community financials.

8. Is the community able to keep up with future growth?

Is there sufficient infrastructure, wise planning, and expandable space to grow as needed? What if the community’s interests shift over time? If the community has been established for years, are there long-range plans to repair and replace key infrastructural components like water lines and local streets?

These responsibilities may fall within the purview of your village or community rather than in the city where you reside. Be sure you know who is responsible for these decisions and their costs.

9. Is there a reserve fund for maintenance?

Also sometimes known as a sinking fund, a reserve fund is a financial safety net for significant unexpected future expenses incurred at the community level (for instance, re-roofing the community center). Know whether there is a reserve fund set aside for large community maintenance projects like replacing pool furniture after a storm or facilitating an air conditioning replacement at the clubhouse.

While some communities maintain funds for these expenses and address them as needed for residents, others may expect you to actively raise funds as an HOA member. Either way, how large upkeep expenses are handled may impact your decision to buy in a particular development.

10. What other projects belong to this developer?

Research the builder of your home and the larger community, and ask for references. How long has the company been in business, and have they successfully invested in similar communities in other cities or states?

A company or investment group with the proven ability to drive property values upward will likely do the same for your new neighborhood. On the other hand, if the company has allowed its previous investments to decline, you may need extra reassurance that history won’t repeat itself — or you may wish to seek property elsewhere.

11. Is the governing association easy to work with?

You will want a community board with a proven track record of working together and finding solutions. If you discover a dysfunctional board led by power-hungry or inept individuals, it may cause great angst and harm the unity of the entire community.

Ask several different residents and check with your real estate agent. Find out if the board and its members are competent, effective, and civil. One free resource to research your association or HOA is communityassociations.net.

12. What lifestyles are accommodated?

Consider whether you’d prefer an active community of younger senior residents or a neighborhood where you can age into services like assisted living or memory/hospice care if needed.

Do you want a single-family home, or are you looking to purchase a unit within a larger building? Is handicap accessibility vital to you or a family member? Do you need a community that is fully navigable on foot or by a golf cart?

What's Your Home Worth Now?

If you are considering selling your home to retire or downsize, find out what your property might be worth. Enter a few details about your house and we’ll provide you with a preliminary estimate of home value in less than two minutes. It can be a helpful starting point as you plan your next move.

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Check out the community surrounding your neighborhood

Vetting the 55+ community with the questions above will help you uncover crucial insights into what life might be like within the boundaries of those neighborhoods, but you will want to look beyond the front gates.

To truly identify the best 55+ community, you should also research the history, reputation, culture, and amenities of the surrounding host city or town. Then, find out what the area offers that can improve or enhance your retirement years.