Retirement Communities South Florida.
Active adult and 55+ communities across Palm Beach, Broward, and St. Lucie counties. Golf, tennis, resort-style amenities, and low-maintenance living from $80K to $2M+.
South Florida retirement living at every price point.
South Florida has long been one of America’s premier retirement destinations — and for good reason. Year-round sunshine, world-class healthcare, no state income tax, and a vast network of active adult communities offering social engagement, resort-style amenities, and low-maintenance living. The 55+ community market spans from affordable Century Village co-ops in Deerfield Beach under $100K to luxury bundled golf communities in Boca Raton and Palm Beach Gardens over $1M. Our agents specialize in the 55+ market and can help you compare communities, understand age-qualification rules, evaluate HOA financial health, and identify the lifestyle fit that matters most.
HUD 55+ Qualification: What It Means for Buyers
True 55+ communities are designated under the HUD Housing for Older Persons Act (HOPA). To qualify, at least 80% of occupied units must have at least one resident age 55 or older, and the community must maintain age verification records. This distinction matters: only HOPA-certified communities can legally restrict occupancy. Some communities are marketed as “active adult” or “55+” without the legal designation. Confirm certification before purchasing if the age restriction is important to you.
Co-Op vs. Condo in 55+ Communities
Many of South Florida’s most affordable 55+ communities — like Century Village, Kings Point, and Leisureville — are structured as co-ops rather than condos. In a co-op, you purchase shares in a corporation rather than deeded real estate. Co-ops typically cannot be financed with conventional mortgages and require all-cash purchases, board approval, and have lower price points than comparable condos. Understanding the ownership structure is critical before making an offer.
Frequently asked questions about 55+ communities in South Florida.
What is the difference between a 55+ community and an active adult community?
A true 55+ community is certified under the HUD Housing for Older Persons Act (HOPA). At least 80% of occupied units must have at least one resident age 55 or older. This gives the community the legal right to enforce age restrictions. An "active adult" community may not carry this certification and cannot legally restrict occupancy by age. Always confirm HOPA certification before purchasing if the age restriction matters to you.
Can a younger person live in a 55+ community in Florida?
HOPA allows the remaining 20% of units to be occupied by households where no resident is 55 or older. The community's rules govern whether they permit this. Some communities grant exceptions for caregivers. Generally, the age restriction applies to the majority of units. Contact the HOA directly to understand their specific policy before making an offer.
What is a co-op in a 55+ community and can I finance one?
In a co-op, you purchase shares in a corporation rather than deeded real estate. Century Village, Kings Point, and Leisureville are examples of co-op communities in South Florida. Most co-ops cannot be financed with conventional mortgages and require all-cash purchases. They also require board approval before transfer. The tradeoff is significantly lower prices than comparable condos in the same area.
What HOA amenities should I look for in a South Florida 55+ community?
The most popular amenities are clubhouses, pools, tennis and pickleball courts, golf courses, fitness centers, and social activity programs. Bundled golf communities include golf as part of the HOA. Equity club communities charge a separate membership buy-in. Consider which amenities you will actually use when comparing HOA fees between communities.
What price range should I expect for a South Florida retirement community?
South Florida's 55+ market spans a wide range. Co-op units in communities like Century Village start under $80,000. Condo units in communities like Kings Point and Valencia start around $150,000. Single-family homes in bundled golf communities like Hunters Run and Broken Sound start around $400,000. Luxury retirement communities in Boca Raton and Palm Beach Gardens go well above $1 million.
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Free buyer representation for 55+ community purchases. We know the communities, the co-ops, and what the lifestyle actually looks like day-to-day.
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