Planning for retirement means balancing comfort, community, and cost. If you’re searching for 55 plus communities in Florida with low HOA fees, this guide breaks down key housing options — from lot rent to HOA fees and property taxes — to help you make a confident decision for your retirement years.
Retirement in Florida is a dream for many thanks to its warm weather, scenic landscapes, and tax benefits. But ongoing housing costs like HOA fees and property taxes can impact your budget more than expected. HOA fees in traditional 55+ and condo communities across the state often range from $200 to $800+ per month, depending on amenities and location, which can raise your monthly expenses significantly.
One alternative many retirees consider is lot rent living in age‑restricted communities. With this option, you own your manufactured home but lease the land, typically paying a predictable monthly fee that often includes lawn care, water, sewer, trash, and access to community amenities — helping simplify budgeting and reduce surprise costs like hefty property taxes or special assessments.
Florida also offers 55+ communities with lower overall fees that still include valuable amenities without the high HOA dues seen in luxury developments. Examples include communities like Regal Palms and Cedar Pointe Villages, where HOA costs remain comparatively modest while providing social activities, pools, and maintenance services.
Choosing the right community — especially those with low HOA fees — can make your retirement savings go further while ensuring you enjoy a relaxed and active lifestyle in the Sunshine State.