25 Affordable 55+ Communities for Retirement

Cypress Lakes, FL is a rare gem where you can find a reasonably priced home and resort-style amenities.
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Cypress Lakes, FL is a rare gem where you can find a reasonably priced home and resort-style amenities.

There are hundreds of active adult communities located around the country. While some 55+ communities feel more like a vacation that comes with a hefty price tag, there are several that won’t cost an arm and a leg.

Last year our 25 Cheap Active Adult Communities all offered exceptional amenities, exciting lifestyle activities and affordable homes. However, this year we have changed it up and listed 25 low-cost communities that take into consideration Homeowners’ Association (HOA) fees, taxes, and other expenses.

Although, many of the communities on this year’s list don’t feature high-end amenities and lavish lifestyles they are all very budget friendly. Each community listed must have homes for sale that range from below $100,000 to the high $100,000s. In addition, all fees including HOA, property tax, insurance, interest and mortgage combined all have to be less than $1,300 per month.

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Palm Cay is a small, intimate community of 795 homes nestled in Ocala, Florida.

The communities are very diverse and are located all around the country including some from the Sunshine State all the way north to New Jersey and Idaho and even some in the deserts of Arizona. Some communities have about 2,100 homes with amazing resort-style amenities while others may only have 100 homes with a quaint, cozy clubhouse.

Here are 25 reasonable 55+ communities that will get you on the right foot in your search for your perfect, yet affordable active adult community. Please Note: Communities are listed in no particular order.

1. Cypress Lakes, FL

2. Spruce Creek South, FL

3. Jess Ranch, CA

4. The Estates, OR

5. Palm Cay, F

6. Cherrywood, FL

7. Highland Fairways, FL

8. Scottish Highlands, FL

9. Alamo Country Club, TX

10. Gardens of Pleasant Plains, NJ

11. The Meadows of Crystal Lake, FL

12. Rancho Resort, AZ

13. Mystic Shores, NJ

14. Camelot Village, FL

15. Vista View Resort, AZ

16. Sun Valley East, FL

17. Bent Tree Villas West, FL

18. Fawn Lakes, NJ  

19. Canyon View, AZ

20. Bent Tree Villas East, FL

21. Village of Willow Run, PA

22. Brooke View, ID

23. Sea Pines, FL

24. Casitas de Castilian, AZ

25. Woodland Village, NJ

Can you spot the $207,744 difference between these identical homes?

Financing is the difference!

Get the details in The 62+ Loan Homebuyers Guide.

55places Mortgage is a joint venture between Mutual of Omaha Mortgage and 55places.com.
Details here.

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About 55places

We’re changing the way people 55 and older are searching for their perfect next place. With a national network of hand-selected real estate experts, plus comprehensive information, unbiased content, and on-the-go insight about thousands of communities across the country, we’re a trusted resource paving the way from here to home. Whether you’re interested in a low-maintenance single-level residence, an active lifestyle or age-qualified community, an intimate enclave, or anything in between, we can help you make your next move the best one yet.

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