Can you live in a 55+ community under 55 on Long Island?

In short……….Yes, someone younger than 55 can live in 55+ communities in New York.

KEEP IN MIND : These communities are designed for adults aged 55 and older, but they may have certain provisions that may allow younger individuals to live there. These provisions can vary depending on the specific community and its rules.

To live in a 55+ community as a person under 55, you’ll need to follow a few rules. These rules may vary depending on the specific community, (check with your community specialist) but here are some common general guidelines.

Firstly, at least one member of the household must be 55 years or older, while the others can be as young as 18 or 21, depending on the community.
Secondly, the community may have a limit on the percentage of residents who can be under 55, typically around 20%.
Additionally, there may be rules regarding the duration of stay for younger residents, such as a maximum time limit of 30 days per year.

Each community will have its own rules and regulations so it is important to work with someone that is knowledgeable in that area and knows how to get the information you need.

Information believed to be accurate but not guaranteed.

Under the Housing for Older Persons Act (HOPA), at least 80% of the occupied homes must have at least one resident who is 55 or older. This means up to 20% of the homes may be occupied by residents under 55, often younger spouses, partners, or adult children.

Every Long Island 55+ community sets its own guidelines within the law. Some welcome younger residents who meet the criteria, while others require all residents to be 55+. If you’re considering buying in a 55 and over community — whether you’re downsizing, relocating, or looking for the right lifestyle — it’s important to work with a local real estate expert who understands the rules of each neighborhood.

At Northshore Properties Realty, we specialize in helping buyers navigate Long Island’s active adult and 55+ communities so you can find the right home and know the rules before you move in.