Living in a 55+ Community in New Jersey: Pros, Cons & FAQs to Know Before You Buy

For those seeking an independent lifestyle after age 55, active adult communities offer an ideal blend of comfort, convenience, and social engagement. Designed to cater to older adults, New Jersey's top 55+ communities feature age-specific amenities, diverse housing options, and opportunities for recreation and connection.

While the promise of maintenance-free living and a close-knit community is appealing, it's essential to weigh the benefits against potential drawbacks, such as monthly fees or lifestyle restrictions. This guide explores the features of active adult communities, helping you determine if this living option aligns with your retirement goals and personal needs.

5 Key 55+ Community Rules in NJ

• At least one resident must be 55 or older, but ownership cannot be restricted by age due to a 2024 NJ court ruling.
• Monthly HOA fees usually cover maintenance, landscaping, and access to amenities.
• Amenities like pools, clubhouses, and social events define the community lifestyle.
• Housing options vary and may include condos, townhomes, single-family homes, or rentals.
• Rules may still limit rentals and resales, but age-based ownership restrictions are now illegal under the FHA and NJLAD.

What Is a 55+ Community?

A 55+ community, also known as an active adult community or age-restricted community, is a residential area designed for individuals aged 55 and older. For those  considering retiring in New Jersey, homes in 55+ communities are popular options. These communities operate under the Housing for Older Persons Act (HOPA), which allows exemptions from federal anti-discrimination laws (such as the Fair Housing Act) to restrict residency based on age.

To qualify as a 55+ community, at least 80% of the occupied units must have at least one resident who is 55 years or older. Rules and regulations typically limit children under a certain age from living in the community full-time, though short-term visits are generally allowed.

These communities often enforce guidelines regarding home maintenance, property aesthetics, and participation in community events to maintain a cohesive and appealing environment. For those living in 55+ homes in New Jersey, violations of a given community's rules can result in fines or other consequences.

Are 55+ Communities Legal in New Jersey?

Yes, 55+ communities are legal in New Jersey. These communities are allowed under the federal Housing for Older Persons Act (HOPA), which permits age-restricted housing as long as at least 80% of occupied units have one resident who is 55 or older. Communities must also follow policies that show their intent to serve older adults and verify residents' ages regularly. New Jersey state law aligns with these federal rules, making 55+ communities a legal and common housing option across the state.

However, a major legal update in July 2024 clarified that while communities can restrict who lives in the homes, they cannot restrict who owns them. The New Jersey Appellate Division ruled that requiring property owners to be 55 or older violates both the federal Fair Housing Act and the New Jersey Law Against Discrimination.

This means anyone—regardless of age—can legally own a home in a 55+ community, even though residents still need to meet the age requirement for occupancy.

55+ Communities vs. Nursing Homes

55+ communities are designed for independent, active adults, while nursing homes cater to individuals who require daily medical or personal care. Active adult communities promote an active lifestyle with amenities like fitness centers, swimming pools, and social clubs, while nursing homes focus on healthcare and daily assistance.

Active adult communities usually offer  single-family homes, apartments, and condos, creating a residential atmosphere. Nursing homes, however, provide private or shared rooms within a care facility, featuring 24/7 medical care and skilled nurses. These differences are also reflected in the costs, with nursing homes generally being more expensive due to the comprehensive care they provide.

African American senior couple making selfie at home

Key Features of Active Adult Communities

Several key features make active adult communities appealing to retirees, including age restrictions, extensive amenities and activities, and diverse housing options. These elements foster a vibrant, engaging environment promoting health, well-being, and social interaction.

Age Restrictions

A defining feature of active adult communities is the age restriction, usually requiring at least one resident to be 55 or older. This rule ensures the community meets the lifestyle needs of retirees and older adults living in New Jersey. Though short-term stays for those under 55 might be allowed, they are generally discouraged to maintain the intended demographic.

In many places, at least 80% of residences must house someone who meets the age requirement. These restrictions help create a peaceful, quiet environment, free from the hustle and bustle often associated with neighborhoods with younger families and children.

Mature women and men laughing together

Amenities and Activities

55+ community living shares one of the biggest advantages of condo living: amenities and activities promoting an active lifestyle. Common amenities include fitness centers, swimming pools, and golf courses, offering ample opportunities for physical activity and social interaction. Many also provide resort-style amenities supporting overall health and well-being.

Beyond physical activities, these communities emphasize social interaction through various clubs, organized activities, and classes tailored to older adults' interests. Whether it's a book club, gardening group, or art class, residents can find something that piques their interest and fosters a sense of community.

Housing Options

These communities offer various housing options tailored to older adults' needs and preferences, including single-family houses, condos and townhomes, and apartment-style living spaces. This variety ensures residents can choose a living arrangement that best suits their lifestyle and budget.

Benefits of Living in an Active Adult Community

Living in an active adult community offers numerous benefits, such as maintenance-free living, social connection, and enhanced security. These advantages contribute to a higher quality of life by reducing home maintenance burdens, fostering strong social bonds, and ensuring a safe living environment.

Maintenance-Free Living

Many residents choose to move to active adult communities to simplify their lifestyles and reduce their responsibilities. In many of these communities, maintenance services such as landscaping, snow removal, and building maintenance are included in the cost. Residents never need to worry about their yard's hardscaping or softscaping again! Interior maintenance, like repairs and routine upkeep, is typically provided as well.

middle age woman eating a takeaway salad outdoors

Social Connection

Residents of active adult communities share a similar life stage and interests. Many communities organize events and activities like field trips, classes, and social clubs to encourage connections and friendships. While these communities have less age diversity, they offer a supportive and engaging community where residents can make new friends and enjoy their free time.

Enhanced Security

Safety is a top priority, often featuring dedicated security personnel and measures to ensure a secure living environment. There are passive and active security measures, ensuring there's always protection from  common home hazards such as fires and break-ins. These security measures provide peace of mind, allowing residents to enjoy their retirement without worrying about safety.

Potential Drawbacks to Consider

While offering many benefits, potential drawbacks include monthly fees, limited healthcare services, and lifestyle limitations. Weigh these factors carefully to determine if this living arrangement suits you.

Monthly Fees

Living in an active adult community typically costs between $1,000 and $5,000 per month, depending on location and amenities. For the  most luxurious 55+ communities in New Jersey, fees can even reach $10,000 a month.

These fees typically cover maintenance, amenities, and community services, so it's important to understand what is included. Residents should consider their budget and the value of the services provided. High HOA fees and resale limitations due to age restrictions are also potential drawbacks.

Limited Healthcare Services

A lack of on-site healthcare or assisted living services can concern residents needing regular medical care or anticipating more support as they age. Evaluate the community's proximity to healthcare facilities and understand the level of care available. Asking about the community's approach to healthcare and long-term care ensures it meets your needs.

Lifestyle Limitations

Some communities tend to impose rules and restrictions that can impact residents' lifestyles, such as limits on younger visitors—which is allowed under the Housing for Older Persons Act (HOPA)—pet ownership, and home modifications. While these rules help maintain the intended environment, they can also limit social interactions and personal freedoms.

Portrait of happy senior couple in love moving in new home

Is an Active Adult Community Right for You?

Deciding whether an active adult community is right for you involves assessing your needs and lifestyle preferences. Consider factors like desired social interaction, the importance of amenities, and the community's alignment with your future plans.

Assess Your Needs

When evaluating a community, consider available recreational opportunities like exercise classes and arts and crafts. Comparing amenities offered by different communities can help identify which location aligns best with your interests and lifestyle preferences. Talk with current residents to gain a better understanding of whether the community feels like a good fit.

Ask Questions

Be sure to go beyond researching the best places to retire in New Jersey: asking the right questions is crucial when evaluating a given community. Inquire about specific rules and restrictions, the variety of social and recreational activities, and transportation options available for residents. Understanding these aspects helps make a more informed decision.

Finding the Right Active Adult Community

Finding the right community involves thorough research and personal visits. Utilize online resources and social media to gather information, read reviews, and compare options. Visiting in person allows you to experience the atmosphere firsthand and interact with current residents.

Researching Communities

Community websites and social media platforms are valuable sources of insights into services, amenities, and the overall environment. Reviews and testimonials from residents and their families provide honest perspectives on the community's quality. Chatting with current residents can help determine if the community aligns with your expectations and lifestyle.

Evaluating Locations

Location is crucial when choosing a community.  Holiday City at Berkeley and  Covered Bridge in Manalapan are central to everything you need, but the decision is more personal. Proximity to family and friends, shopping, dining, and recreational facilities significantly impacts your quality of life. Easy access to parks and trails encourages outdoor activities and social engagement, enhancing the overall living experience.

Popular 55+ communities in New Jersey include:

• Regency at Cranbury,  Cranbury
• Greenbriar at Whittingham, Monroe
• The Renaissance Club,  Mount Laurel
• Del Webb Florham Park,  Florham Park

Is An Active Adult Community Right For You?

Active adult communities offer a unique lifestyle for residents 55 and older. Focusing on maintaining an active and independent lifestyle, these communities provide numerous amenities and social opportunities. While it's important to weigh the potential drawbacks, these communities offer a variety of benefits that can contribute to a fulfilling and enjoyable retirement.

Mature married couple enjoying pasta salad for lunch. Couple looking at each other smiling while eating.

Frequently Asked Questions

What are the typical age restrictions for active adult communities?

Yes, someone younger than 55 can live in a 55+ community under certain conditions. According to the Housing for Older Persons Act (HOPA), at least 80% of the occupied units must have one resident aged 55 or older, but the remaining 20% can potentially accommodate younger individuals if the community allows it.

For example, a spouse or partner under 55 may live with a qualifying resident, and some communities permit younger residents in cases such as inheritance or caregiving. However, children under a certain age are typically restricted from living there full-time, and the exact rules vary by community.

What types of housing options are available in active adult communities?

Active adult communities offer a range of housing options, such as single-family homes, multi-family patio homes, and apartment-style living spaces to meet diverse preferences and needs, including for those who are downsizing. This variety ensures that everyone can find a suitable living arrangement.

Can someone under 55 own a home in a 55+ community in NJ?

Yes. A recent NJ court ruling confirmed that ownership cannot be restricted by age, so someone under 55 can legally own property in a 55+ community.

Can someone under 55 live in a 55+ community in NJ?

It depends. Most communities require at least one occupant per unit to be 55 or older, but someone under 55 can live there if they meet certain exceptions, like being a spouse or caregiver.

Can someone under 55 visit for an extended period?

Yes. Guests under 55 can typically stay for extended visits, but communities may have rules limiting how long guests can stay—often 30 to 90 days per year.

Can I rent out my home in a 55+ community?

Maybe. Some communities allow rentals, but many have rules about lease terms, tenant age, and limits on how many homes can be rented at once. Always check the HOA bylaws.