Retirement community

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A retirement community is a housing complex designed for older adults who are generally able to care for themselves; however, assistance from home care agencies is allowed in some communities, and activities and socialization opportunities are often provided.[1] Some of the characteristics typically are: the community must be age-restricted or age-qualified,[2] residents must be partially or fully retired,[3] and the community offers shared services or amenities.[2]

Additionally, there are different types of retirement communities older adults can choose from including:

  • Independent living communities, which offer no personal care services.[3]
  • Congregate housing, which includes at least one shared meal per day with other residents.[4][better source needed]
  • Mobile homes or RV's for active adults.[3]
  • Subsidized housing for lower income older adults.[4]
  • Leisure or lifestyle oriented communities or LORCs, which include various amenities.[5]
  • Assisted Living Communities: Assisted Living and Memory Care assisted living provide all the daily services seniors need in an apartment or condo style environment. Everything from housekeeping, nursing, dining, wellness,activities, and usually in a locked and secured building.
  • Continuing Care Retirement Communities, which are further defined below.[5]

New types of retirement communities are being developed as the population ages including elder co-housing, which is defined later in this article. Retirement communities are often built in warm climates, and are common in Arizona, California, Florida and Texas but are increasingly being built in and around major cities throughout the United States. Youngtown, Arizona, established in 1954, was the first age-restricted community. Del Webb opened Sun City, Arizona, with the active adult concept, in 1960.[6] In 2011, The Villages, Florida is the largest of these communities.[7] While new retirement communities have developed in various areas of the United States, they are largely marketed to older adults who are financially secure. Lower income retirement communities are rare except for government subsidized housing, which neglects a large proportion of older adults who have fewer financial resources.[8]

Continuing care retirement communities[edit]

The term Continuing Care Retirement Community is the primary term for a major part of the retirement scene, in books, magazines, accreditation and legislation, in parallel with the categorization just presented. A typical definition, from a New York Department of Health website [9] is "Continuing care retirement communities (CCRCs) and fee-for-service continuing care retirement communities (FFSCCRCs) are residential alternatives for adults that offer, under one contract, an independent living unit (an apartment or cottage), residential amenities and access to a continuum of long-term care services, as residents' health and social needs change over time." The accrediting agency CCRC/CARF [1] uses the term CCRC with the same meaning.

In 2010, over 2,000 CCRCs existed in the United States with an estimated 640,000 residents. The popularity of CCRCs is increasing, as the number of older adults in such retirement communities has more than doubled during the last decade.[10] The primary benefit of the CCRC model is that it allows people to age in one community even if they need additional healthcare services with time.[11] Additionally, CCRCs embody a general sense of community and offer peace of mind for couples with the assurance that they will always be near each other, even if one spouse needs more care.

There are three levels of care in most CCRCs. The first level is independent living in which residents live on their own and have access to a wide array of amenities. The second level is assisted living, which provides help with daily tasks such as bathing and dressing. The third level is 24-hour nursing home-style care. As residents' health needs increase, they will transition from one level to the next, all within the same community.

Most CCRCs include an entrance fee and a monthly fee, and these costs vary widely depending on several factors: the luxuriousness of the facility, the size and type of housing unit, whether the person enters alone or with a spouse, and how much future care is covered. Fees tend to be expensive and usually do not include additional services such as phone and television. Additionally, residents should plan on a 3-6% increase in monthly fees each year. CCRC's usually offer various payment plans, which are listed below.[12]

  1. Life care: Residents pay a large entrance fee (average $270,000) and pay a set monthly fee (average $2,750) that does not increase if additional healthcare is needed.
  2. Modified: Residents pay a lower entrance fee (average $239,000) and their initial monthly fees (average $2,400) cover a certain amount of higher-level care. The monthly fees rise when further care is needed (assisted living average $4,400; nursing care average $8,200).
  3. Pay as you go: Residents pay a lower entrance fee (average $238,000), but initial monthly fees (average $2,000) increase when additional care is needed (assisted living average $4,300; nursing care average $7,700).

One risk of entering a CCRC is that most will refund only a portion or none of the entrance fee if a resident chooses to leave the community. The same refund policies exist when a resident passes away. Persons considering moving into a CCRC may wish to research existing CCRCs before committing to one.

Elder/Senior cohousing[edit]

Senior cohousing is a living arrangement in which multiple individually owned housing units are oriented around a common open area and a common house. Residents actively cooperate to live in a neighborhood in which there is socialization, and mutual support for one another.[13] The idea for elder cohousing originated in Denmark, where intergenerational cohousing was successfully implemented. This idea formulated into an age-specific cohousing model for active elders, in which, the design in the communities includes easy access for all levels of physical ability. There may also be options to include studio residencies in the common house to provide living quarters for home health aids whose services may be shared by several residents.[14]

Elder cohousing is a spin-off from intergenerational cohousing. The community is planned, owned and managed by the residents who all share in many daily activities together.[15]

There are six defining characteristics of cohousing. To be considered a "cohousing community" the following must be present:[16]

  1. Participatory process- the future residents participate in the design so that it meets their needs.
  2. Neighborhood design- the physical layout and orientation of the buildings encourage a sense of community
  3. Common facilities
  4. Resident Management
  5. Non-hierarchical stricture and decision making
  6. No shared community economy

Age requirements[edit]

At least 80% of the units in the community must have an individual aged 55 or older to meet the age requirements to qualify as "senior housing".[17]


The cohousing living arrangement was first observed in Denmark. There, the communities are known as "bofoellesskaber" in Danish which translates to "living communities".[18] K. McCamant and C. Durrett coined the term "cohousing" and launched it in the United States in the 1970s.[19] Since its introduction to the U.S. intergenerational cohousing communities have been developed in at least twenty-one states.[20] As far as elder cohousing communities, there are currently five located in the United States.

Niche retirement communities in the United States[edit]

Niche retirement communities target retirees who "share a common interest, hobby or trait."[21] By 2011 niche retirement communities or 'niche senior communities' - known as 'affinity" retirement communities' by industry professionals - [22] had become "one of the biggest trends in retirement living."[21] These communities attract those over 55 who want to be in communities of like-minded individuals from the same ethnic background (for example, Aegis Living for Asian-Americans in Fremont, California or first-generation Indian immigrants (55-and-over) in Tavares, in the Greater Orlando area, Lake County, Florida), sexual orientation (RainbowVision in Santa Fe, New Mexico, or for those who share an interest such as academia and lifelong learning (in dozens of university-based retirement communities (UBRC) for example at Penn State University, Stanford University, University of Florida, Eckerd College, Holy Cross Village at Notre Dame, Indiana), creative expression and artists (for example the Burbank Senior Artists Colony, the Long Beach Senior Arts Colony, Meta Housing and EngAGE in California[23]), astronomers, golf, RV aficionados (Escapees CARE center in Livingston, Texas)s, veterans, vegetarians, fans of Big 10 football games and country music (Nashville, Tenn)."[21][22][24]

In the United States alone there are approximately 80 million people who were born between 1946 and 1964 - the baby boomers - who control about $25 trillion in wealth.[24] By 2011 there were already over 100 niche communities.[22][25]

Andrew Carle, founding director of the Program in Senior Housing Administration at George Mason University, Fairfax, Virginia observed that the baby boomers "... set the record for embracing fad products, and that'll likely translate over into the niche retirement community as well...targeted toward people with specific interests and backgrounds, from Big 10 football games and country music to gay-friendly lifestyles."[21][24]

In Florida alone there are niche retirement communities for Polk County retired letters carriers (which was union-built), for car buffs and RVers, such as Lake Weir Preserve in Marion County, one for first-generation Indian immigrants (55-and-over) in Tavares, in the Greater Orlando area, Lake County, Florida.The Villages, in Sumter County, Florida- Florida's most well-known and fastest-growing retirement community development[26][27] is the state's "biggest example of a culturally and ethnically homogenous retirement community"[25] with a 98.4% white population.[28] The Villages, a gated community with low crime rates,[29] offers "free golf for life" on their executive golf courses.[30]

Colleges have created options for retired alumni who enjoy campus life for example at the University of Florida in Gainesville and Eckerd College in St. Petersburg's College Harbor Retirement Community with its Academy of Senior Professionals.[25]

There are downsides to living in niche retirement communities.[21] According to research by Harvard law professor Cass Sunstein, "[p]eople who surround themselves by like-minded people are more likely to become more extreme in their views.[21][31] Sunstein observed increasing polarization in the United States in "ideologically-homogeneous communities" where groups composed of exclusively like-minded people isolate themselves from the wider, mainstream community and have limited exposure to alternative viewpoints.[31] Carle also noted that residents in affinity communities can get burnt out with their life centered around what was once a favorite hobby.[21]

LGBT retirement communities in the United States[edit]

Currently, there are over 3 million Lesbian, Gay, Bisexual, Transgender (LGBT) persons over the age of 65 in the United States, and this number is estimated to rise to 4 million by the year 2020. LGBT elders face many additional issues concerning their future retirement plans. Approximately two-thirds do not have children and up to half live alone. Therefore, LGBT persons may have a lack of support in their retirement years.[32] Additionally, LGBT couples are often not legally recognized; spouses are often excluded in late-life decisions, inheritance claims, and spousal pension and social security plans.[33] Several healthcare concerns exist for older LGBT adults, including increased incidence of illness and disease, lack of disclosure about sexual orientation to health providers, and lack of support for individual needs. Many of these concerns affect the decisions LGBT persons make concerning their retirement residence. One study found that LGBT persons are least likely to choose a retirement community as a residence due to fears of unmet needs and heterosexism that occurs in many retirement communities.[34] LGBT persons have increasing concern about discrimination as they age and fear that most retirement communities do not recognize the special needs of LGBT elders or offer supportive services.[35]

Naturally occurring retirement communities[edit]

The NORC model allows people to retire in their existing homes and encourages communities of seniors to band together to provide mutual assistance. These communities may involve low-income residents receiving a richer mix of public services through a NORC model. They may serve people of all income levels who get together to furnish cost-effective transportation services. There are NORCs for relatively affluent households that may charge $1,000 or even more in annual dues to support staffers who provide a rich variety of support services and cultural enrichment activities. NORCs can be very effective mechanisms to identify populations of people who need government-provided services and then provide those services in cost-effective ways.[36]

Other information[edit]

A number of publishers have created lists of the 100 best retirement communities or "100 best places (or towns) to retire".[37] For the most part these lists are helpful in terms of finding desirable communities to live in. The extent to which desirable amenities are "priced" in labor markets (lower wages in nice places) or housing markets (higher housing prices in nice places) will have a large impact on their appeal elderly retirees who no longer have to pay in the labor market.[38] One drawback to these lists is that these communities often become more expensive as a result of their popularity.

Some non-U.S. retirement communities[edit]


Spanish Canary Islands[edit]

Sun Park Living, with its holiday retirement complex in Lanzarote, is credited with the coming together of Senior Living & Senior Travel.


In India too, the traditional family system in which elders would be cared for by their children has collapsed. And a new generation of elders who value their independence have evolved. This has necessitated the development of retirement homes and communities in India.

Once recent trend to emerge in the Indian retirement industry is the "retirement resort": a long-term rental unit within a resort-like community that features many of the amenities of a traditional vacation resort. This trend is just starting.

United Kingdom[edit]

In the United Kingdom retirement villages have become more and more prevalent. According to a BBC report of August 2009 there were approximately 25,000 people across the UK living within a retirement village model at that date.[39] A growing trend witnessed recently is the emergence of Holiday Retirement Community Living.

Models do vary - from local authority funded and charitable schemes such as Hartrigg Oaks in York led by the Joseph Rowntree Trust[40] through to privately funded projects such as Roseland Parc in Cornwall by Retirement Villages Ltd, Fleet house retirement village in Devon, and Boughton Hall in Chester.

Retirement Villages Ltd opened their first scheme in the UK over 25 years ago so the model is not so new to the UK as people think. There is now an umbrella organisation called the Association of Retirement Village Operators UK (ARVOUK) working to collaborate thinking and best practice in this popular retirement homes market.[41]

See also[edit]


  1. ^ "Glossary of Terms". North Carolina Division of Aging and Adult Services. Retrieved 27 February 2012. 
  2. ^ a b Saisan, J.; Russell, D. (February 2012), Independent living for seniors: Understanding your choices in retirement facilities and homes,, retrieved 6 May 2012 
  3. ^ a b c Senior Living Communities,, 2011, retrieved 6 March 2012 
  4. ^ a b Independent Living Housing Options (2010). Retrieved 6 March 2012
  5. ^ a b Sreib, G. (2007), Retirement Communities,, retrieved 6 March 2012 
  6. ^ "Second Home Buying: Glossary of Terms". October 2010. Retrieved 4 November 2011. 
  7. ^ Trolander, Judith Ann (2011). From Sun Cities to The Villages: A History of Active Adult, Age-Restricted Communities. University Press of Florida. 
  8. ^ Salkin, P. (2009). "A Quiet Crisis in America: Meeting the Affordable Housing Needs of the Invisible Low-Income Healthy Seniors". Georgetown Journal on Poverty Law Policy. 15. 
  9. ^ Continuing care 
  10. ^ Shippee, T. (2012). "On the edge: Balancing health, participation, and autonomy to maintain active independent living in two retirement facilities". Journal of Aging Studies. 26 (1): 1–15. doi:10.1016/j.jaging.2011.05.002. 
  11. ^ Brecht, S. B., Fein, S., & Hollinger-Smith, L. (2009). "Preparing for the Future: Trends in Continuing Care Retirement Communities". Seniors Housing And Care Journal. 17 (1): 75–90. 
  12. ^ Gengler, A.; Crews, V. (2009). "Live Like Us". Money. 38 (3): 86–91. 
  13. ^ Durrett, Charles (2009). The Senior Cohousing Handbook:2nd Edition. Gabriola Island, Canada: New Society Publishers. ISBN 978-0-86571-611-7. 
  14. ^ "What is elder or senior cohousing?". Retrieved 25 February 2012. 
  15. ^ Cohousing
  16. ^ "Characteristics of Cohousing". 
  17. ^ "What Is the 80/20 Rule in Active Adult Communities?". 
  18. ^ "Cohousing: Real Estate Wave of the Future". Retrieved 2 March 2012. 
  19. ^ "Elder Cohousing". 
  20. ^ Glass, Anne (2009). "(article)". Journal of Housing for the Elderly. 23: 283–303. 
  21. ^ a b c d e f g Hill, Catey (22 June 2011), "A Retirement Made for You (and People Just Like You", Market Watch 
  22. ^ a b c Stevenson, Sarah (21 January 2014). "The Rise of Niche Senior Living Communities". California: Senior Living Blog. Retrieved 20 January 2016. 
  23. ^ Ecker, Elizabeth (20 November 2013). "Developer Looks to Expand on Success of Artist Niche Senior Living". California: Senior Housing News. Retrieved 20 January 2016. 
  24. ^ a b c Umberger, Mary (3 June 2011). "The next generation of retirement centers: Niche communities target like-minded boomers". Chicago Tribune. Retrieved 20 January 2016. 
  25. ^ a b c Martinez, Amy (December 2015), "Enclaves: around Florida, some retiree communities are giving new meaning to the word 'niche'", Florida Trend via Gale, retrieved 20 January 2016 Gale No.=A436438048
  26. ^ "Villages developer H. Gary Morse praised for his remarkable vision". Villages-News. October 30, 2014. Retrieved April 27, 2015. 
  27. ^ Show, Christine (October 5, 2008). "Villages' Morse acts as magnet for GOP". Orlando Sentinel. Retrieved 5 June 2012. 
  28. ^ "American FactFinder". United States Census Bureau. 2015. Retrieved 23 May 2015. 
  29. ^ Hudak, Stephen. "Trial begins in killing of Villages woman", Orlando Sentinel, 28 October 2007. Retrieved 4 November 2007.
  30. ^ "Golf The Villages". Golf The Villages. Retrieved 2 February 2012. 
  31. ^ a b Sunstein, Cass R. (13 May 2009), Going to Extremes: How Like Minds Unite and Divide, Oxford University Press, p. 208, ISBN 9780195378016 
  32. ^ de Vries, B. (2005). Home at the end of the rainbow. Generations, 29(4), 64-69.
  33. ^ Zdychnec, L. (2011). Essential Elder Law Planning for LGBT Clients. Elder Law Report, 22(7), 1-5.
  34. ^ Neville, S., & Henrickson, M. (2010). 'Lavender retirement': A questionnaire survey of lesbian, gay and bisexual people's accommodation plans for old age. International Journal of Nursing Practice, 16(6), 586-594. doi:10.1111/j.1440-172X.2010.01885.x
  35. ^ Comfort, J., Freijah, R., Horner, B., McManus, A., Lovelock, G., & Hunter, M. (n.d). 'We Don't Have Any of Those people Here ... '. HIV Australia, 8(3), 26.
  36. ^ "Retirement Communities Terms". Retirement Community. April 2009. Retrieved 11 April 2009. 
  37. ^ "100 Best Places to Retire". Topretirements. October 2007. Retrieved 10 December 2007. 
  38. ^
  39. ^ BBC One program - 'Silverville' - accessed 5 August 2009
  40. ^ Joseph Rowntree Foundation website
  41. ^ ARVOUK official website

External links[edit]