I'm a consultant for 55+ communities. More younger people want in — even before retiring.

In recent years, individuals in their 50s are increasingly opting to live in 55+ communities, even while still employed. These active adult communities emphasize lifestyle, wellness, and social connections. The rise in 55+ rental options provides flexibility for those facing rising costs and HOA fees.

Todd Warshauer, who leads Active Adult Consultants, explains that his firm offers consulting services and sales training for these communities, having visited nearly 1,500 active adult communities nationwide. Warshauer emphasizes that buying into an active adult community is a discretionary decision, as most buyers already own homes and are choosing to move for lifestyle changes rather than needing to retire.

He notes that rightsizing has become more important than downsizing, with buyers looking for homes and communities that align with their desired lifestyle rather than simply reducing their possessions. Many residents are not retired, with some still working, consulting, starting businesses, or pursuing hobbies they couldn't previously fit into their schedules. The generational shift is also notable, with Gen X buyers approaching active adult communities differently, often still working and balancing other responsibilities.

Active adult communities offer a push-pull dynamic, where residents leave behind factors like home maintenance, unused space, and changing family dynamics, while being drawn to opportunities for friendships, activities, wellness, and more time for their interests. These communities can provide a platform for individuals to focus on themselves while still working, and the longevity of many residents (potentially 25-30 more years) makes it worthwhile to plan for their ideal living situation sooner rather than later.