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.
Key Takeaways
- At least 80% of residents in 55+ communities must be 55 or older. The remaining 20% can include younger residents or those with children.
- 55+ communities are exempt from familial status discrimination under the Fair Housing Act, allowing them to restrict children.
- 55+ communities often lack amenities for children, such as proximity to schools, playgrounds, or family-oriented resources.
- Contact or tour 55+ communities to ensure they can accommodate both the needs of the 55+ resident and their grandchildren.
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 three types of housing for older persons from liability for familial status discrimination. Such exempt housing facilities or communities can lawfully refuse to sell or rent dwellings to families with minor children only if they qualify for the exemption. In order to qualify for the ‘housing for older persons’ exemption, a facility or community must comply with all the requirements of the exemption.
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.
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.
Don’t wait—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!
