What’s the Difference Between Age-Targeted and Age-Restricted Communities?

As you search for the right active adult community, you’ll see two common terms: age-restricted and age-targeted. They sound similar – but they work very differently. Both cater to adults 55 and older who want an active, low-maintenance lifestyle. Think fitness centers, walking trails, and lawn care handled for you.

The Key Difference

An age-restricted community limits who can live there. An age-targeted community simply markets to older buyers but doesn’t restrict age.

• Age-restricted communities are governed by the Housing for Older Persons Act of 1995.

• Age-targeted communities have no such restriction – they just offer amenities that appeal to active adults.

Age-Restricted Communities

• Typically require 80% of residents to be over a certain age (often 55+).

• Younger spouses are sometimes allowed, depending on community rules.

• Children and grandchildren can visit, but only for limited stays – often up to two weeks.

• Appeal: peace, quiet, and a social circle of peers.

Age-Targeted Communities

• Open to all ages but designed for adults 55+.

• Offer similar amenities to age-restricted communities.

• Allow kids and grandkids to stay for extended visits or even full summers.

• Appeal: flexibility and family time.

New Trends

Homebuilders are blending both models. “We’re seeing age-restricted neighborhoods within larger, family-friendly master plans,” says John Burns, CEO of John Burns Research and Consulting.

Linda Mamet, Vice President at TRI Pointe Group, adds: “Buyers want the best of both worlds – the privacy of a gated 55+ area and the energy of nearby multigenerational neighborhoods.”

This hybrid approach lets retirees stay close to family without sacrificing quiet or community design tailored to their lifestyle.

Choosing What Fits You Best

Ask yourself:

• Do you prefer peace and quiet or being close to family?

• Do you want strict age rules or more flexibility?

• How long do you want guests – especially grandkids – to stay?

Your answers will help determine whether an age-restricted or age-targeted community is the right place to call home. Find a comprehensive listing of new active adult homes on NewHomeSource and follow us on Facebook.