Top 10 Mistakes to Avoid When Buying in a 55+ Community

Buying a home in a 55+ community is exciting—but it comes with its own unique rules and challenges. Here are the 10 biggest mistakes retirees make when purchasing in an active adult neighborhood—and how to avoid them.

1. Not Understanding the HOA Rules

Every 55+ community has an HOA, and the rules can vary widely. Some limit how long guests under 55 can stay. Others restrict exterior paint colors or holiday decorations. Before buying, ask for a copy of the CC&Rs (Covenants, Conditions, and Restrictions) and read the fine print.

2. Assuming All 55+ Communities Are the Same

They’re not! Some focus on golf, others on arts, and some are more socially active than others. Visit during a weekday to see what day-to-day life is really like.

3. Skipping the Financial Fine Print

Look beyond the home price. What are the HOA dues? Are there one-time fees or recreation center costs? A community may look affordable up front but become costly over time.

4. Forgetting About Healthcare Access

Proximity to quality healthcare is essential. Some communities are 20+ minutes from the nearest ER. In Sun City West, you’re near top providers like Banner Health and HonorHealth.

5. Not Thinking Long-Term

That spiral staircase or steep driveway might not be a big deal now—but will it work in 10 years? Look for homes with aging-in-place features: single-level layouts, wide doorways, low-maintenance yards.

6. Choosing Based on Square Footage, Not Layout

A smaller home with an open plan may feel bigger and function better than a larger, chopped-up one. Focus on livability.

7. Underestimating Social Needs

Many retirees crave connection—but not all communities are equally welcoming. Look for clubs, meetups, and organized events that help you make friends.

8. Buying Without Visiting

Photos don’t tell the full story. Always walk the neighborhood, attend an open house, and tour the community amenities.

9. Overlooking Resale Value

Choose a home that’s not just great for you—but desirable to future buyers too. Homes near rec centers or golf courses tend to resell faster.

10. Going It Alone

A local real estate team (like Dream Home Catchers!) will know the ins and outs of each community. We’ll help you spot red flags and find a home that fits your lifestyle and budget.

A successful home purchase starts with avoiding these all-too-common mistakes. Let Dream Home Catchers help you navigate the 55+ homebuying journey with confidence.