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 6,105,897)
• Tallahassee (population 382,747)
• Fort Myers (population 752,251)
• Port St. Lucie (population 482,922)
• Pensacola (population 503,173)
• Jacksonville (population 1,581,680)
• Naples (population 372,797)
• Ocala (population 370,372)
• Orlando (population 2,632,721)
• Melbourne (population 601,573
• Lakeland (population 713,148)
• Sarasota (population 824,160)
• Tampa (population 3,146,074)
• Daytona Beach (population 662,671)

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

There are hundreds of 55+ communities in Florida. Based on the parameters we listed above, we’ll provide information about some communities we feel are worth extra consideration. We’ll also provide a section on how you can locate 55+ communities in your area.

Please note that all prices in this post are based on active listings at the time of writing, as well as advertised price ranges provided by community sales offices.

How can I find a 55+ community near me?

There are many other 55+ communities in Florida. One way to see your options 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 when it comes to 55+ or retirement communities, various types of property can be available. You may wish 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; others may allow you to own and lease out your property. You’ll want to be sure to 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. You will want to consider whether various things are included with your monthly property expenses; a few to consider are:

Be sure to get the most for your dollar, but also 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 your age advances (and potentially your 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?

You will want to 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 ensure 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 interests of the community 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, this 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; 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?

You will want to consider whether you’d prefer an active community of younger senior residents or a community 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 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 12 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.

In short, identify the lifestyle you want from a 55+ community

Consider how you would like to focus your lifestyle moving forward, advises Bianchi. “The first thing I would find out from you is: what do you like doing?” She says that while many communities share common amenities, not all are accommodating of something — a pet or boat, for instance — that may be a key component of your lifestyle.

“Do you want a single-family home, a townhome, or a condo? If you have pets, be aware that some of these communities don’t allow pets — so that’s big.” If you have a pet, Bianchi advises you to check the size, breed, and number of pets against community guidelines, which vary. If you have a boat or RV, Bianchi recommends looking into the specifics of where you can park your vehicle — whether in your driveway or elsewhere on community grounds. Even parking limitations on regular vehicles can limit your ability to host guests, so know how many parking spaces you will need versus how many are allotted.

Resale restrictions are something to be mindful of as well, Bianchi warns. “Let’s say you move into a retirement community because, obviously, you want the activities,” she suggests. “But then all of a sudden your health starts failing, and you need to move back in with family, or you need to move into assisted living. Is there first right of refusal — can you rent [the property out]?” Bianchi warns of these questions you’ll want to ask upfront because dealing with property hitches and health problems can combine into an unnecessary headache.

Q&A: More tips and insights about 55+ communities in Florida

What is the largest 55+ community in Florida?

The Villages is Florida’s largest 55+ community, spanning more than 150,000 residents over 71,000 units across 57 square miles. This settlement crosses multiple county lines, occupies multiple zip codes, and houses everything from its own K-12 charter school system to a hospital on its grounds. In addition, the community has over 200 pickleball courts, its own public safety department, and private lakes for fishing and watersports.

How much does it cost to live in a 55+ community in Florida?

There are 55+ communities in Florida to suit every price point, from residents with a restricted cash flow to those with a taste for top-tier luxury. From lower-cost mobile home parks and manufactured housing communities in age-restricted communities to multi-million dollar developments, there is something available for everyone.

For highly developed properties like The Villages, homes begin as low as the low $200,000s and exceed $1 million, depending on property cost, property tax, and amenities.

What is the 80/20 rule in some 55+ communities?

The U.S. Department of Housing and Urban Development mandates that to comply with fair housing laws, age-restricted communities for residents aged 55 and up must fill at least 80% of their units with at least one occupant fitting the age designation. There are no restrictions on the age of the population in the remaining 20% of residences.

Communities wishing to market themselves as 55+ must be clear about their intent to house older populations and have a method in place for verifying resident age.

When should I visit a prospective 55+ community?

To get the clearest picture, it’s best to visit at different times of the year. You may love an area you visited on vacation in the fall, but that does not mean you will like it in the winter. Remember, you are making long-term retirement plans, so multiple visits are worth the time and investment. It’s also valuable to consider several different retirement locations and compare the benefits and drawbacks.

Are there real estate agents that specialize in helping seniors?

Yes. Agents can receive a specialty certification from The National Association of Realtors to become a Seniors Real Estate Specialist or SRES. An SRES agent will be well-versed in the areas of retirement, downsizing, and more. See our post: Should You Hire an Agent Who Is a Seniors Real Estate Specialist?

Conclusion: Try before you buy

There are so many options for these types of communities in Florida. If you can, take the time to visit a few of the locations that are most interesting to you. This will help you to discern one from the next and which 55+ community might be the best fit for you.

Working with a trusted real estate agent who is well-versed in the local market can help to match what you are looking for with the many options available. In addition, connecting with an SRES agent or a top-performing agent in the area you’re looking to purchase can make the search process much more streamlined — and enjoyable. To get started, visit our free Agent Match platform to kick off your search for a great 55+ community in Florida.

Header Image Source: (Derick McKinney / Unsplash)