Many people relocate when they have reached a time in their lives that they wish to downsize and simplify their lifestyle. The majority of the people in this category are Baby Boomers. They may want to near children and grandchildren, or live in a warmer climate such as San Diego where they can spend their time golfing year-round. One of the options that some people in this generation choose is a 55+ community - an association of homes of perhaps varying styles and sizes, where the requirement is that one or possibly both members of the household are at least 55 years of age.

These communities offer a particular lifestyle that can appeal to those who no longer wish to have a large home, and prefer to not have to deal with the maintenance issues. The 55-year age requirement can be met in a number of ways depending on the stipulations in the association's by-laws. Often only one member is required to be 55 or older, but sometimes both. There are some large associations where only part of the subdivision is reserved for this age group, whereas others are completely self-contained, gated communities. It is common to find a range of amenities that will appeal to the residents - some have their own golf course (e.g., Ocean Hills in Oceanside), and a clubhouse that offers a variety of activities is fairly common (bridge, dances, community events and dinners). Home styles vary - some communities offer manufactured housing while others are more tract-like, either attached or detached. Commonly they are single story to better accommodate the residents as they age, but some offer both single and two-story arrangements. Because of the number of communities in our area, you will likely find what you are seeking, both in terms of amenities as well as price. San Diego offers a wonderful year-round lifestyle, but is not the least expensive areas for retirement.

In order to preserve the desired lifestyle, these communities may have restrictions on visitors - the number who may visit at a time and how long they may stay. The golf courses are usually private (but guests will usually be allowed to use the course), and the fees may be included as part of the monthly maintenance fees the residents pay to cover exterior and grounds maintenance. The overall convenience of no maintenance, a range of amenties and a group of similarly aged residents can allow for the perfect lifestyle. But it is not right for everyone, so do your due diligence before you make a final decision.