The state of Florida is arguably the preeminent retirement haven in the U.S. In 2024, Florida saw the highest influx of active adults moving for retirement. The number of new retirees was over two times greater than other top retirement destinations like Arizona and South Carolina.
So what makes living in Florida so attractive to retirees? One of the biggest factors is the sheer number of available homes and housing options. With hundreds of 55+ communities in Central Florida to choose from, homebuyers can find something that fits their requirements. Affordability also plays a major role, since the state has a tax-friendly environment for retirees and a relatively low cost of living—especially in Central Florida, which is even more affordable than the coastal areas. And of course, we can’t forget the subtropical climate that has earned Florida its moniker as The Sunshine State.
If you’re interested in moving to Florida to live out your golden years, there are many benefits to purchasing a home in a 55+ community. Most communities offer low-maintenance living, which ranges from homeowners’ associations (HOAs) that provide useful services, to full-on concierge-style experiences. Since these communities are tailored to the lifestyles of active adults, they also feature a wide variety of resort-style amenities and options for social engagement, ensuring that retirees from all walks of life can find a place that they will love to call home.
Read on to learn more about the 10 best 55+ communities for homebuyers looking to purchase a home in Central Florida.
1. On Top of the World
Low $100ks – High $600ks
On Top of the World is located about 15 miles southwest of Ocala, in the heart of Central Florida. The community comprises a mix of 10,000 single-family and attached homes that range from 1,000 to 3,000 square feet of living space, providing a variety of options for any budget. Residents have access to resort-style amenities, including three golf courses, multiple clubhouses, fitness facilities, an entertainment hub, a learning center, and so much more. Social butterflies will flourish at On Top of the World, with over 175 social clubs and interest groups.
2. Oak Run
Mid $100ks – High $300ks
Another Ocala area community, Oak Run offers homebuyers an affordable mix of single-family and attached homes in a secure, gated neighborhood. Amenities include a 30,000-square-foot clubhouse, a variety of aquatics facilities, multiple fitness centers, and an 18-hole championship golf course. An on-site lifestyle director ensures that residents always have a full social calendar, with over 100 activities and clubs.
3. The Villages
High $100ks – High $1Ms
Active adults who enjoy variety in life will appreciate The Villages—one of the largest and most popular choices for 55+ living in the nation. Practically a city unto itself, there are close to 70,000 homes with over 100 floor plans to choose from. One of the biggest draws to The Villages is its expansive selection of amenities. The community features three town squares, eight recreation centers, and dozens of golf courses, as well as shopping centers, entertainment districts, and dining options–and this barely scratches the surface of what’s on offer.
4. Solivita
Low $300ks – Mid $700ks
Solivita is a gated community, about 15 miles southwest of Kissimmee. There are approximately 5,900 single-family and attached homes that range from 891 to 2,545 square feet, providing plenty of options for retirees, whether they’re looking to downsize or enjoy spacious living. Residents benefit from a lifestyle director who facilitates almost 150 clubs and activities across the 150,000 square feet of amenities.
5. Stone Creek
Low $200ks – High $700ks
Stone Creek is a gated community of 3,800 single-family and attached homes that range from 1,133 to 2,634 square feet. Among the usual resort-style amenities—which include a 60,000-square-foot clubhouse, a wide-ranging fitness complex, and an 18-hole golf course—residents also have access to the Reunion Club, a social hub specifically designed to accommodate meetings, events, crafts, clubs, and more.
6. Spruce Creek Country Club
Low $200ks – Mid $500ks
Spruce Creek Country Club consists entirely of single-family homes, with 47 floor plans that range from 820 to 2,807 square feet. Amenities include 36 holes of golf, as well as three recreation centers–the Horizon Center, the Lake Vista Recreation Area, and the Peninsula Park Recreation Area—which are respectively dedicated to social events, fitness activities, and outdoor recreation. The community also stands out for its coastal location, just 12 miles from Daytona Beach.
7. Ocala Palms
High $200ks – High $400ks
Ocala Palms offers homebuyers a selection of affordable single-family homes, with 20 different floor plans from 1,050 to 2,654 square feet. The community is centered around a 19,000-square-foot clubhouse that provides facilities for fitness, hobbies, socializing, and relaxation. Among other outdoor recreation options, golfers will also enjoy access to an 18-hole golf course and country club. While there is an on-site activity director to maintain a full social calendar, residents are highly encouraged to schedule events and organize new clubs themselves, which means there is never a shortage of fun stuff to do at Ocala Palms.
8. Royal Highlands
Mid $200ks – Mid $400ks
Situated about 30 minutes northwest of Downtown Orlando, Royal Highlands is a unique gated community of affordable single-family homes. Royal Highlands dedicates approximately 35 percent of the 1,100-acre landscape to conserving natural space and wildlife habitats. In addition to the beautiful outdoor amenities, residents can also enjoy two community clubhouses, fitness facilities, an 18-hole golf course, and an active social scene with dozens of hobby groups and social clubs.
9. Palm Cay
Mid $100ks – Low $500ks
The most intimate community on our list, Palm Cay consists of just 795 single-family homes, with 14 floor plans ranging from 800 to 1,500 square feet. These affordable, modestly sized homes rest on large lots, providing homeowners with plenty of private outdoor space. Amenities include a community clubhouse, an outdoor pool and spa, and courts for tennis, bocce, and shuffleboard. One of the advantages of Palm Cay’s smaller size is a greater sense of a close-knit community. Also, residents have plenty of opportunities to socialize with their neighbors. You can discover dozens of social clubs and hobby groups through a monthly newsletter.
10. Kings Ridge
High $200ks – High $400ks
King’s Ridge is located in the city of Clermont, due west of Orlando. The community comprises just over 2,000 single-family homes, which range from 980 to 2,560 square feet of living space. Residents have access to a variety of resort-style amenities, including a community clubhouse with space for social activities, games, crafts, and fitness. Outdoors, there is a pool and spa, sports courts, and a poolside BBQ area. The community is also home to a golf club which provides residents with exclusive access to its two 18-hole courses three days each week. Active adults who enjoy boating, fishing, and other aquatic recreation will also appreciate the location just a few miles from several large lakes, including the 30,909-acre Lake Apopka.
Find Your Perfect Home in Central Florida!
This list of the best 55+ communities in Central Florida exihibits the variety that active adult homebuyers can expect when searching for a forever home in the region. Whether looking for a large, resort-style development or a close-knit, budget-friendly community, there is something here for everyone.
While looking over your options, it’s important to consider your amenity preferences, lifestyle choices, and budget needs. The 55places blog is a great resource to learn about topics such as the tax environment and insurance requirements. Also, searching our extensive database of community listings can provide you with everything you need to know about what these communities have to offer.
If you’re ready to find the best 55+ communities in Central Florida, then contact 55places.com today!
