What It Really Costs to Live in a 55+ Community in Bucks County

By Connor Linn | Active Adult Luxury Living Specialist

Active adult communities continue to attract buyers looking for low-maintenance living, strong amenities, and a built-in sense of community. While many buyers focus on the purchase price alone, the true cost of living in a 55+ community goes far beyond the initial sale.

Understanding monthly fees, long-term expenses, and lifestyle tradeoffs is essential before making a decision. This guide breaks down what buyers should realistically expect when evaluating 55+ communities in Bucks County.

Monthly HOA Fees: What You’re Paying For

Most 55+ communities operate with homeowners associations that manage shared spaces and services. Monthly HOA fees can vary widely depending on the community and level of amenities.

Common items covered include:

• Lawn care and landscaping

• Snow removal

• Exterior maintenance in certain communities

• Clubhouse and amenity upkeep

• Private road maintenance

Higher fees do not always mean better value. The key is understanding what is included versus what remains the homeowner’s responsibility.

Amenities and Lifestyle Costs

Many buyers are drawn to 55+ communities because of their amenities, but these features also factor into long-term costs.

Amenities may include:

• Clubhouses and social spaces

• Fitness centers and pools

• Walking trails and green space

• Organized activities and clubs

Some communities bundle these into HOA fees, while others charge additional usage or membership costs. Buyers should confirm what is included and how often amenities are realistically used.

Property Taxes and Assessments

Property taxes in 55+ communities are typically similar to other residential properties, but there are important nuances.

Considerations include:

• Whether the home is new construction or resale

• County and school district tax rates

• Special assessments for major capital improvements

Buyers should also ask about past or upcoming assessments, which can temporarily increase costs beyond standard HOA dues.

Utilities and Energy Efficiency

Many newer 55+ homes are designed with energy efficiency in mind, which can help reduce monthly utility expenses.

Factors that influence costs:

• Home size and layout

• Construction year and insulation standards

• Heating and cooling systems

• Community infrastructure

While utilities are generally lower than larger single-family homes, they still vary significantly from property to property.

Long-Term Value and Resale Considerations

Beyond monthly expenses, buyers should think about long-term financial flexibility. Some 55+ communities experience stronger resale demand than others, depending on location, reputation, and fee structure.

Homes that tend to hold value best often feature:

• Reasonable and predictable HOA fees

• Well-maintained common areas

• Strong community management

• Desirable floor plans and layouts

Understanding resale dynamics protects buyers from future surprises.

Final Thoughts

Living in a 55+ community in Bucks County can offer convenience, comfort, and a strong lifestyle fit, but only when buyers fully understand the cost structure involved. Looking beyond the purchase price and evaluating ongoing expenses leads to smarter decisions and greater long-term satisfaction.

As with any real estate purchase, clarity and preparation make all the difference.