Florida consistently ranks as one of the most popular retirement destinations in the U.S. It attracts retirees with its warm climate, sunny beaches, and vibrant lifestyle. For those seeking affordability, 55+ communities in Florida with low HOA fees make it possible to enjoy the Sunshine State without stretching the budget. These communities offer affordable housing options, resort-style amenities, and a low-maintenance lifestyle, helping retirees maximize value and minimize living expenses.
Many of these budget-friendly communities are found in desirable coastal cities, offering convenient access to entertainment, health care, shopping, and outdoor recreation. With low homeowners’ association fees that often cover exterior maintenance, landscaping, and more, retirees can spend less time worrying about upkeep and more time enjoying the lifestyle they’ve worked for.
To help highlight some of the most affordable opportunities, we’ve compiled a list of top low-cost 55+ communities across Florida’s most popular retirement destinations.
Regal Palms Condominium – Palm Springs, FL
Below $100k – Mid $100ks
HOA fees: $300 – $400 / Mo
One of the most affordable 55+ communities in Palm Springs is Regal Palms Condominium, a resort-style, age-restricted community comprising 307 homes across six buildings. Regal Palms Condominiums is one of the top ten affordable retirement communities in Florida. Residents enjoy a low-maintenance lifestyle, thanks to an affordable HOA that handles all exterior maintenance, landscaping, and common area upkeep.
The compact condo homes present an ideal opportunity to downsize, with floor plans that offer one or two bedrooms, one or two bathrooms, and features like walk-in closets. With Regal Palms’ low price tag, homeowners can find thoughtful amenities such as a clubhouse, a resort-style pool, shuffleboard courts, and walking and biking trails. The Atlantic Coast, just six miles away, offers access to scenic beaches, including Lake Worth Beach Park and Phipps Ocean Park.
Bermuda Club Condominiums – Tamarac, FL
Below $100k – Mid $100ks
HOA fees: $400 – $600 / Mo
Bermuda Club Condominiums is an affordable, age-restricted community only ten miles northwest of Fort Lauderdale. The condo homes, which range from 660 to 1,070 square feet, come in one- or two-bedroom floor plans.
With amenities like a fitness center, golf practice center, and an outdoor resort-style pool, residents of the Bermuda Club can find plenty to do for fun close to home. For entertainment outside the community, homeowners can visit destinations like Pompano Beach, the Coral Springs Museum of Art, and The Palace at Kings Point Center of The Performing Arts.
Star Lake Estates – Miami, FL
Below $100k – High $100ks
HOA fees: $200 – $400 / Mo
Miami is renowned for its vibrant nightlife, rich cultural heritage, and the cruise ships that depart from its harbor. Miami is also home to Star Lake Estates, an affordable age-restricted community located in the heart of the city. With 503 condominium homes ranging from 407 to 1,360 square feet, active adults can find a comfortable home with access to a wide range of amenities.
When residents aren’t soaking in the rays at a beach or enjoying dinner downtown, they can explore the community’s clubhouse, movie theater, shuffleboard courts, and resort-style pool. The affordability of Star Lake Estates creates opportunities for its residents to enjoy the best Miami has to offer.
Oriole Gardens – Margate, FL
Below $100k – High $100ks
HOA fees: $300 – $600 / Mo
Active adults who want to move to Florida on a budget should look into Oriole Gardens in Margate. The community consists of 1,413 condominium homes across three neighborhoods just 15 miles north of Fort Lauderdale. Low HOA fees allow residents to live without the burden of exterior maintenance or lawn care.
Additionally, residents will find their dollar stretches even further thanks to the extensive range of amenities. Each neighborhood boasts a clubhouse with a fitness center and library. Additionally, residents also have access to five resort-style pools across the community, ideal for enjoying warm weather throughout all four seasons.
Oriole Golf & Tennis Club – Margate, FL
Below $100k – High $100ks
HOA fees: $300 – $600 / Mo
Active adults seeking affordable Florida condos on a golf course can find options at Oriole Golf & Tennis Club. The age-restricted community of 781 homes surrounds a public golf course, providing scenic views for residents to enjoy on their balconies. The open floor plans range from 710 to 1,250 square feet with one or two bedrooms, one or two bathrooms, enclosed Florida rooms, and modern renovations in many homes.
Residents enjoy amenities such as a clubhouse with a fitness center, an outdoor pool, and various tennis courts for those who enjoy playing. Reasonable HOA fees ensure that homeowners don’t need to worry about chores like exterior maintenance or yard work, giving them more time to travel across Florida or play a round of golf on any given day.
Lime Bay – Tamarac, FL
Below $100k – High $100ks
HOA fees: $400 – $700 / Mo
Active adults seeking to live an idyllic resort lifestyle in Florida don’t need to break the bank. Lime Bay offers residents substantial amenities given the price tag. The age-restricted community boasts a state-of-the-art fitness center in the clubhouse as well as a sauna for relaxation after a dip in the resort-style pool.
Since residents of the 756 condominium homes don’t have to worry about exterior maintenance or landscaping, they can spend more time exploring the surrounding area or attending one of the community-organized meetings. Neighbors get together for activities like barbecue parties, game nights, tennis, and choral group, presenting opportunities to meet like-minded active adults.
Vista Gardens – Vero Beach, FL
Below $100k – High $100ks
HOA fees: $500 – $700 / Mo
Vista Gardens is less than three miles from the Atlantic coast, ideal for retirees who love digging their toes in the sand. The surrounding area offers residents of the 404 condominium homes an abundance of outdoor recreation opportunities, including the Lagoon Greenway, Oslo Riverfront Conservation Area, and, of course, beaches such as South Beach Park.
Vista Gardens was built between 1978 and 1984 and maintains a well-established collection of affordable condos. The homes range from 601 to 1,100 square feet, with one or two bedrooms and one or two bathrooms. A public 9-hole golf course winds through the low-maintenance community, which residents can enjoy alongside amenities such as tennis courts, a fitness center, and an outdoor resort-style pool.
Royal Park Gardens – Margate, FL
Below $100k – High $100ks
HOA fees: $500 – $800 / Mo
Royal Park Gardens in Margate comprises 466 condominium homes, each measuring 600 square feet and offering one or two bedrooms. The homes feature an assortment of creature comforts, such as walk-in closets and screened-in porches. Also, residents can enjoy their homes even more knowing they don’t need to worry about yard work or exterior maintenance.
Homeowners can also enjoy many amenities that come at a bargain, considering the affordability of the homes themselves. Royal Park Gardens features a clubhouse with a fitness center, library, and card room. Also, outdoor amenities include a resort-style pool and tennis courts. The age-restricted community is just eight miles east of Pompano Beach, offering easy access to Boca Raton and Fort Lauderdale.
Paradise Shores – St. Petersburg, FL
Below $100k – High $100ks
HOA fees: $600 – $800 / Mo
Florida’s Gulf Coast is often the affordable option for those choosing between the East or West coast of Florida. On the Gulf side, active adults can find affordable homes at tried-and-true 55+ communities like Paradise Shores. Located ten miles northeast of St. Petersburg, residents can explore one of the city’s tropical intercoastal waterways or take a short five-mile drive to scenic beaches like Archibald Beach Park.
Amenities like a clubhouse and outdoor resort-style pool combined with a low-maintenance lifestyle gives homeowners plenty to appreciate about Paradise Shores. The community has a close-knit atmosphere that encourages get-togethers like community dinners and holiday parties. Also, for more metropolitan fun, residents can explore one of several nearby shopping centers and restaurants.
Crosley Villas – West Palm Beach, FL
Below $100k – High $100ks
HOA fees: $300 – $600 / Mo
West Palm Beach is a picturesque coastal city renowned for its restaurants, shopping, and world-famous Florida beaches. Active adults interested in this coastal lifestyle should consider Crosley Villas, an exclusive 55+ community featuring 395 condominium homes. Additionally, the convenient location, just ten miles south of the city center, makes the affordability of these homes even more appealing.
Residents can enjoy the multipurpose clubhouse and resort-style pool without worrying about labor-intensive tasks, such as exterior home maintenance or lawn care, as these are taken care of by the HOA. The homes offer approximately 600 well-utilized square feet, featuring one or two bedrooms, wall-to-wall closets, and open-concept floor plans.
Murray Hill – Lake Worth, FL
Below $100k – High $100ks
HOA fees: $300 – $700 / Mo
Affordability and resort-style amenities intersect at Murray Hill, a 55+ community in Lake Worth ideal for Florida snowbirds. Residents often gather in the clubhouse, which includes a fitness center, theater, library, and arts and crafts studio. Outside, Florida’s year-round warm weather can be enjoyed swimming in the resort-style pool or playing a friendly game on the shuffleboard courts.
Lake Worth, just 10 miles south of West Palm Beach, puts residents within easy reach of entertainment and beaches. Also, since the HOA at Murray Hill offers a lock-and-leave lifestyle at a reasonable fee, homeowners can travel six miles to Palm Beach International Airport and enjoy their travels freely.
Vendome Village – Pinellas Park, FL
Below $100k – High $100ks
HOA fees: $100 – $600 / Mo
Vendome Village offers active adults attached homes in a highly desirable area without breaking the bank. Retirees deciding where to retire on Florida’s Gulf Coast might want to consider what this region has to offer. The 304 homes offer 904 square feet, featuring one or two bedrooms, one-and-a-half or two bathrooms, and attached one-car garages. Homeowners pay an affordable HOA fee each month to forego the trouble of exterior maintenance and lawn care.
Vendome Village offers a clubhouse and bocce ball courts within the community. Also, residents can find a variety of conveniences in the surrounding area. St. Petersburg is 10 miles southeast of the community and features world-class attractions, including The Dalí Museum, the St. Pete Pier, and the Raymond James Theatre.
Castle Gardens – Lauderhill, FL
Below $100k – High $300ks
HOA fees: $200 – $700 / Mo
Active adults seeking 55+ communities in Florida with low HOA fees and affordable single-family homes should check out Castle Gardens. The well-established community comprises 954 single-family and condominium homes in a range of floor plans. Also, Castle Gardens is situated seven miles west of Fort Lauderdale.
Residents of single-family homes and condominiums will find ample amenities to keep them entertained. Residents can utilize a clubhouse, a fitness center, a movie theater, a sauna, a resort-style pool, and tennis courts at their leisure. Castle Gardens offers a laid-back, low-maintenance lifestyle in the Fort Lauderdale area to retirees with a budget.
Vista Pines – Stuart, FL
Low $100ks – High $100ks
HOA fees: $400 – $700 / Mo
Located on Florida’s desirable Treasure Coast, Vista Pines provides an affordable 55+ environment. The age-restricted community is situated beside Ocean Boulevard, a roadway that provides direct access to Stuart Beach, just three miles away. Also, the affordable HOA fees ensure that homeowners can experience the low-maintenance, coastal lifestyle of the Sunshine State.
The laidback, toes-in-the-sand atmosphere of Vista Pines is further proven by its amenities. Residents have access to a clubhouse as well as an outdoor, resort-style pool. The 517 condominium homes feature floor plans ranging from 679 to 1,089 square feet, with one or two bedrooms and one or two bathrooms. Also, each building has its own laundry room, and each condo has a view of the community’s greenspaces.
Cedar Pointe Villages – Stuart, FL
Low $100ks – Mid $200ks
HOA fees: $400 – $700 / Mo
The close-knit 55+ community of Cedar Pointe Villages provides residents with a social and exciting lifestyle in Stuart, one of the most affordable places to retire in Florida. Neighbors get together for clubs and activities, such as game nights, holiday celebrations, fitness classes, and theatre performances. Also, the grounds of the community include several resort-style pools.
Cedar Pointe Villages includes 480 affordable condos across multiple floor plans. The comfortable homes range from 619 to 1,138 square feet with one or two bedrooms and one or two bathrooms. Also, residents can spend more time enjoying their homes and the community’s amenities thanks to affordable HOA fees.
Affordable 55+ Living in Florida
Retirees don’t have to give up financial freedom to enjoy a low-maintenance, resort-style lifestyle in coastal Florida. While many well-known active adult communities carry a higher price tag, there are numerous 55+ communities in Florida with low HOA fees that offer excellent value without compromising comfort or convenience.
These affordable age-restricted neighborhoods often include desirable amenities, spacious floor plans, and prime locations. With HOA fees that cover lawn care, exterior upkeep, and more, retirees can spend less time on chores and more time living the lifestyle they’ve always envisioned.
Ready to discover your perfect Florida home without overspending? Contact 55places.com today to connect with a local expert and start your journey.
Florida HOAs FAQ
1. What does an HOA fee cover in Florida?
HOA fees typically cover exterior maintenance, landscaping, security, amenities such as pools and fitness centers, and the upkeep of common areas.
2. How much are typical HOA fees in Florida?
HOA fees vary widely. In many 55+ communities, they range from $100 to $800 per month, depending on location, home type, and amenities.
3. Are HOA fees in Florida tax-deductible?
No. HOA fees are generally not tax-deductible unless the property is a rental or investment.
4. Can an HOA foreclose on your home in Florida?
Yes. If homeowners fail to pay HOA fees, Florida law allows associations to place a lien on the property and, in some cases, foreclose.
5. What happens if you don’t pay HOA fees in Florida?
Unpaid fees can lead to fines, liens, restricted access to amenities, and eventually foreclosure if the balance isn’t settled.
6. Are HOAs mandatory in Florida?
If you buy a home in a deed-restricted community with an HOA, membership and fee payments are mandatory.
7. Can Florida HOAs raise fees without homeowner approval?
Yes. Boards typically have the authority to adjust fees based on budgets and community needs, though they must follow governing documents and state laws.
8. Do HOA fees in Florida include utilities?
Some HOAs include water, sewer, trash, or cable in monthly dues, but coverage varies by community.
9. Are there laws regulating HOAs in Florida?
Yes. HOAs are governed by Florida Statutes Chapter 720 (for single-family communities) and Chapter 718 (for condos), which outline their powers and homeowner rights.
10. Do 55+ communities in Florida always have HOAs?
Most do, as HOAs help manage amenities and maintain the neighborhood. However, fees vary widely depending on the community’s size and offerings.
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