OVERVIEW
Some 55+ and age-restricted communities allow grandchildren to live with grandparent residents, but policies vary significantly by community. Under the Housing for Older Persons Act (HOPA) of 1995, at least 80% of homes in a 55+ community must be occupied by a resident aged 55 or older, and individual communities have full discretion to set their own rules regarding minor residents, visitation limits, and supervised access to shared amenities.
Understanding the age-restriction rules of 55+ communities is essential, especially given modern family dynamics. Many grandparents now serve as caregivers for their grandchildren, either part-time or full-time. Roughly 32.7% of grandparents living with their grandchildren were responsible for their care, according to the United States Census Bureau.
The key concern for many potential residents is finding a 55+ community that meets the needs of older adults while also allowing them to care for their grandchildren if necessary. If you’re considering moving to a 55+ community with your grandchild, here’s what you need to know.
Common 55+ Community Age-Restriction Rules
Not all 55+ communities permit grandparents to have children living with them. Some even impose age restrictions on grandchild visitations. This is because many residents prefer a peaceful environment that isn’t dominated by the sounds of children playing. They seek a community focused on their peers and a more relaxed atmosphere.
While some age-restricted 55+ communities welcome visiting children and offer amenities and events for them, these communities may not be ideal for grandparents who are primary caregivers. However, some 55+ communities do accommodate residents in this situation. It’s crucial to inquire about the policies of each community to find one that fits your needs.
Here are some key policies to consider as you explore your options.
The 80/20 Rule
The 80/20 rule plays a significant role in the age-restriction policies of 55+ communities. According to the law, at least 80% of the homes in these communities must be occupied by at least one resident aged 55 or older. The remaining 20% can include younger residents or those with children, once the 80% requirement is met.
However, while the law permits communities to accept younger residents or qualified residents with children, not all communities choose to do so. The decision about who can live in the remaining 20% is ultimately up to each community, and they have the discretion to set their own rules.
The Housing for Older Persons Act (HOPA) of 1995
What does the Fair Housing Act have to do with 55+ community age restriction rules? This law was put into place to protect homebuyers and renters from discrimination based on religion, color, sex, race, disability, national origin, and familial status. This makes it sound like you should be able to move into a 55+ community with children. However, the U.S. Department of Housing and Urban Development says otherwise:
The Fair Housing Act specifically exempts some senior housing facilities and communities from liability for familial status discrimination. Exempt senior housing facilities or communities can lawfully refuse to sell or rent dwelling to families with minor children.
55+ communities are specifically designed to assist adults 55 and older. However, they fall under the exemption of the Fair Housing Act. This allows them to decide whether or not they will accept residents with children.
Rules and Regulations
Even in 55+ communities that allow children, you must consider the rules and regulations in place. These will vary and be set by the community. So you’ll need to read through the rules about grandchildren before buying or renting to ensure you and your grandkids can adhere to them without any trouble. These policies can include, but certainly are not limited to, the following:
- The maximum number of children allowed per household may be limited.
- Children may need to be supervised by an adult at all times while in common areas. This may include swimming pools, playgrounds, and recreational spaces.
- A community may enforce quiet hours. During these hours, children must refrain from excessive noise or disruptive activities, particularly in common areas and near residential units.
- Children may be prohibited from operating motorized vehicles, including electric scooters and golf carts.
- Guests under the age of 18 may have a limited timeframe for visits and may need to register with the community office.
- There may be restrictions on where your grandchildren are allowed to go and what they can participate in.
- When children are allowed to participate in community events or organized activities, they may need to adhere to event-specific guidelines and be accompanied by an adult.
Moving to a 55+ Community With Grandkids
Knowing the rules and regulations of the communities you’re considering is crucial for successfully settling into a 55+ community. Not every community will be able to accommodate your specific needs, so it’s important to ensure it’s the right fit before committing to a purchase. For adults 55 and older with grandchildren in the household, this means finding a community that offers the necessary amenities and resources for children as well. Finding the right accommodations may be challenging.
55+ communities typically cater to adults without children, so they often prioritize features suited to older residents. Amenities such as proximity to good schools, family entertainment, and playgrounds may not be a priority. However, it’s important to carefully consider these factors when choosing a community. Weigh the pros and cons of what’s available for both you and your grandchildren to ensure you make the best decision.
While it’s less common to find all these resources in a 55+ community, it’s not impossible. It may take effort, but you can find a community that accepts minors and still meets your needs.
FAQ: Grandchildren Living in 55+ Communities
Can my grandchild live with me in a 55+ community?
It depends on the community. The 80/20 rule allows up to 20% of homes to be occupied by younger residents or families, but each community sets its own policies. Some allow children to live on-site; many do not. Always check a community’s specific rules before buying or renting.
What is the 80/20 rule in 55+ communities?
At least 80% of occupied homes must have a resident aged 55 or older. The remaining 20% may include younger residents or households with children. However, this is a legal allowance. Individual communities decide whether to exercise that flexibility, and many choose not to.
What is HOPA, and how does it affect 55+ communities?
HOPA is the Housing for Older Persons Act of 1995. It exempts 55+ communities from the Fair Housing Act’s prohibition on familial status discrimination, allowing them to legally refuse to rent to families with minor children.
Can 55+ communities legally refuse families with children?
Yes. Under HOPA, qualifying 55+ communities can legally refuse to sell or rent to families with minor children. This is not considered discrimination as long as the community meets HOPA’s requirements, including the 80% age-occupancy rule and documented age-verification policies.
What rules do 55+ communities have about grandchildren?
Common rules include limits on the number of children per household, adult supervision requirements in common areas, quiet hours, prohibitions on children operating golf carts or motorized vehicles, registration and time limits for guests under 18, and requirements that children be accompanied by adults at community events. Rules vary by community.
Can grandchildren visit a 55+ community?
Most communities allow grandchildren to visit, though policies on length of stay and terms vary. Some impose time limits and require visitors under 18 to register. Visiting policies are generally more flexible than residency rules. A community that welcomes visiting grandchildren may not allow them to live there full-time.
Do any 55+ communities have playgrounds or kid-friendly amenities?
Some do, but most 55+ communities prioritize adult-focused amenities. Communities that welcome visiting grandchildren are more likely to offer playgrounds or family-friendly events. If kid-friendly amenities matter to you, ask specifically when touring.
How do I find a 55+ community that allows grandchildren?
Ask each community directly about its age-restriction policies and read the governing documents carefully. Working with a real estate agent who specializes in 55+ communities is the most effective approach. Contact 55places.com to connect with an agent who understands these policies and can narrow your search.
What should I consider before moving to a 55+ community with grandchildren?
Consider whether children can reside full-time, what rules govern common areas, whether nearby schools and family services are accessible, and whether there are any kid-friendly amenities. A community ideal for active adults may lack the daily resources a child needs. Ensure the fit works for your entire household before committing.
Are quiet hours in 55+ communities a concern for families with children?
They can be. Many communities enforce quiet hours where children must refrain from excessive noise in common areas and near homes. These rules exist because residents specifically chose a 55+ community for its peaceful atmosphere. Review quiet hour policies to ensure your family can comply comfortably.
Can children use the pool and common areas in a 55+ community?
Policies vary. Some communities allow children in pools and common areas only with adult supervision. Others restrict children’s access entirely or during specific hours. Ask for the specific rules governing children’s access to shared amenities, as these can significantly affect your grandchild’s daily experience.
Is it common for 55+ communities to allow children to live there?
No. Most 55+ communities are designed for adults without children and prioritize a quiet, peer-focused environment. While the 80/20 rule legally allows it, many communities choose not to. Finding one that welcomes resident children requires targeted research.
Find The Right 55+ Community For You And Your Grandchild
If you’re ready to explore 55+ communities that can accommodate both you and your grandchildren, it’s essential to connect with an expert real estate agent who understands the unique requirements of multi-generational living. At 55places.com, our knowledgeable agents are here to guide you through the process and help you find the perfect community that fits your lifestyle and caregiving needs.
Contact us today to start your journey toward finding a welcoming, family-friendly 55+ community where both you and your grandchildren can thrive. Let us help you find a place where everyone feels at home!
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