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25 Cheap Active Adult Communities – Affordable Retirement and Exceptional Lifestyle Living

by Bill Ness on 23 Comments

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Even on a budget retirees can enjoy a fabulous amenity-rich community such as Four Seasons at Hemet in California.

Even on a budget retirees can enjoy a resort-style community such as California's Four Seasons at Hemet.

Active adult living doesn’t have to cost a fortune. In fact, plenty of 55+ communities offer attractive homes for a very affordable price. Some may even say they’re downright cheap! In this instance, cheap is used in the financial sense, yet in reality, these communities are priceless in terms of their world-class amenities and exciting lifestyle affording wonderful experiences and friendships.

From coast to coast there are fantastic options for active adult living on a budget. In the typically higher priced state of California, retirees can afford resort-style living at Sun City Apple Valley or Four Seasons at Hemet. Each community boasts an impressive collection of high-end amenities with single-family homes starting in the mid $100s.

Arizona is one of the country’s most popular retirement destinations with wonderful options for budget-friendly living. The original Sun City is one of the most well-known and affordable 55+ communities in the country with homes available well under $100,000. Sun City residents enjoy an endless offering of amenities including seven recreation centers and 11 golf courses. Robson Ranch is a newer development in Arizona offering magnificent country club living with homes priced from the mid $100s and open to residents as young as age 40.

Close by in Nevada, homeowners can enjoy the glitz and glamour of living minutes from the Las Vegas Strip at Sun City Aliante or Sun City McDonald Ranch. Both of these Del Webb developments offer exceptional amenities and a vibrant social lifestyle, not to mention homes priced from the low $100s. Affordability is abundant at both of these Del Webb 55+ golf communities.

Reflection Lakes is a beautiful community in prestigious Naples, Florida offering homes for an attractive price.

Reflection Lakes is a beautiful community in prestigious Naples, Florida offering homes for an attractive price.

Retirees in search of enjoying the Sunshine State of Florida will be pleased with the endless real estate options priced within budget. Along the Gulf Coast and throughout Central Florida there are exciting active adult developments such as the sprawling On Top of the World community in Ocala and the smaller scale communities of Reflection Lakes in Naples and Southshore Falls in Apollo Beach. Each offers single-family or attached home options with prices in the reasonable $100,000 range.

Other impressive budget-friendly destination 55+ communities include Lake Providence in Tennessee, Del Webb at Lake Oconee in Georgia and Jubilee at Los Lunas in New Mexico. With so many price-conscious options, it’s easier than ever to create the ultimate active adult lifestyle without breaking the bank.

The following 25 Cheap Active Adult Communities all offer exceptional amenities, exciting lifestyle activities and affordable homes. While it’s impossible to feature all of the great communities that potentially fit into this category, these 25 will give you a good start on finding an affordable active adult community. Communities listed in no particular order.

  1. Sun City – Sun City, AZ
  2. Sun City West – Sun City, AZ
  3. Robson Ranch – Eloy, AZ
  4. Continental Ranch Sunflower – Marana, AZ
  5. Sun City Apple Valley – Apple Valley, CA
  6. Four Seasons at Hemet – Hemet, CA
  7. Solera Diamond Valley – Hemet, CA
  8. On Top of the World – Ocala, FL
  9. Timber Pines – Spring Hill, FL
  10. Plantation at Leesburg – Leesburg, FL
  11. Highland Lakes – Leesburg, FL
  12. Reflection Lakes – Naples, FL
  13. Southshore Falls – Apollo Beach, FL
  14. Ocala Palms – Ocala, FL
  15. Sun City Aliante – North Las Vegas, NV
  16. Sun City MacDonald Ranch – Henderson, NV
  17. Hill Country Retreat – San Antonio, TX
  18. Del Webb Sweetgrass – Richmond, TX
  19. Del Webb Charleston – Summerville, SC
  20. Sun City Carolina Lakes – Fort Mill, SC
  21. Jubilee at Los Lunas – Los Lunas, NM
  22. Sun City Peachtree – Griffin, GA
  23. Del Webb at Lake Oconee – Greensboro, GA
  24. Village at Deaton Creek – Hoschton, GA
  25. Lake Providence – Mt. Juliet, TN

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  1. Hey Goldie: Personally I hate the word cheap, unless I’m describing my brother-in-law who has the first nickel he ever made. We (those of us in the original Sun City AZ.) much prefer to think of our costs being a great value.

    The bigger challenge is that virtually everything is relative to those reading the article and where they are financially. What’s the saying? “One man’s trash is another man’s treasure,” is equally related to comparative prices in age restricted living.

    That said, the original Sun City is a great value and has something for everyone in virtually every price range. We have $30,000 900 sq ft 1 bedroom/1 bath, $75,000 to $100,000 2 bedroom/2 baths, $100,000 to $300,000 single family homes and even some ranch estates between $400,000 to $600,000.

    The real value begins once you buy into Sun City. With rec fees at $456 per year per household, there is no better buy in the country. No school taxes keep our property taxes low and being self-governed helps us maintain a remarkable quality of life with costs unlike any other community.

    But let’s be blunt, we’re not for everyone. Lot’s of folks are more than willing to spend more and avoid having to get involved in running the community. We’ve just found it gives us more opportunities to keep active and involved. For a quick peek at what makes Sun City so special, check out our latest marketing video: http://suncityaz.us/ .

    Happy hunting Goldie, there’s something for everyone out there.

    1. You rich blank blank do not even know what living on a low budget means. Also how hard finding a decent place to live if you aren’t fifty rich. How about caring for some people that may have only SS to survive on but would like a nice place to end their life in.

  2. Where is the original Sun City, I like the prices you quoted for small units? I am in the lower price range but my retirement dream has always to live in over 55 community with all the activities they offer.

      1. Samantha…Del Webb Sun City communities are definitely well-maintained and provide a lifestyle that most seniors would enjoy. I only wish Mr. Webb had designated some rental units. Renting from individual homeowners can be tricky. Owners vs. renters is for management companies. Just my opinion.

  3. You know the old real estate slogan about pricing a property?….
    Location, location, location.
    The nearer you get to a major city or a desirable warm ocean or gulf beach, the more you’re gonna pay. The climate and real estate taxes affect home prices, as does an 18 hole holf course and an indoor pool.
    We are looking tp move to a tax friendly state, not too hot, and not cold either, near a beach and amedium sized city with a major airport, pet friendly, and a younger active retiree population.
    We are seriously looking at Sun City Hilton Head SC because of all these positive factors…after ruling out NY, NJ, DEL, NC, and FLA.
    OK. It has thousands of loose, roaming alligators and threats of hurricanes, but what area of the country DOESNT have some kind of local problem to deal with?

  4. On your advanced search option could you include “pet friendly or allowed” and also “no bond or cdc”. That would really be helpful, especially since so many properties in Florida impose these fees. Thank you.

  5. I disagree with your assessment of “cheap’ communities. My wife have visited 5 of the communities on the list in NV and AZ and the LEAST expensive NEW home started at $200K. Then add all the upgrades and the “Cheapest” hiome is 230K or so pluss the monthly fees and exhorbitant lot premium charges. So “Cheap” is a relative term……………..

      1. Have you decided yet? I’m looking but havent found the three qualities affordable, fun warm climate.

  6. The best Sun City in Arizona is Sun City Grand and it is affordable. Why is it not on your list? It was built by Del Webb starting in 1996. I am dumbfounded that you have not included us. Our HOA dues are very affordable, our community is spotless and well managed. It’s great ! Just like living at a resort.

  7. Goldie, I agree with you; I wish these 55+ active living communities included designated rental units. Some of us have owned and maintained homes all of our lives, and just don’t want to anymore, This doesn’t make any less desirable as neighbors.

  8. Patricia,
    I’ve discovered many communities will allow owners to rent out their homes. Many homes are completely furnished and provide safety, comfort and lots of things to do. My favorite is “The Villages” in Florida. That is my idea of paradise!

    1. I don’t want to live in hot, muggy Florida or right wing Arizona. I want a decent, affordable…and I mean less than $50,000…place near LIFE, not out by some god forsaken lake. So far, it’s impossible.

      1. I live in a very affordable 55+ community with pools, spas and gym all for less than $8000.00 a year! Not a cheap place but very affordable for a fixed income.

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