Buying in a 55+ Community in New Hampshire — What Active Adult Buyers Should Expect
For many homebuyers aged 55 and older, the next chapter isn't about slowing down — it’s about simplifying, downsizing, and enjoying life on your terms. That’s where 55+ communities come in, and New Hampshire offers a wide variety of options for active adults looking to embrace a lower-maintenance lifestyle without sacrificing comfort, community, or convenience.
At Lovlien Realty Group, we work with many buyers transitioning into this exciting phase — and we’re here to help you understand what makes a 55+ purchase unique, what to expect, and how to find the right fit for your lifestyle.
1. What Is a 55+ Community?
55+ communities — also called “active adult communities” — are age-restricted neighborhoods designed for people aged 55 and older. These communities typically offer:
Low-maintenance living (lawn care, snow removal, and exterior maintenance included)
One-level or accessible floor plans
Clubhouses, fitness centers, walking trails, or golf access
A sense of community with like-minded neighbors
Quiet, residential atmosphere with fewer renters or young families
They range from cozy condo-style developments to upscale, resort-style neighborhoods with extensive amenities. Some allow limited occupancy by younger residents (such as a spouse under 55), while others are more strictly age-restricted.
2. Top Locations for 55+ Living in New Hampshire
You’ll find active adult communities throughout the state, but some areas are especially popular:
Southern NH – Towns like Londonderry, Bedford, Exeter, and Amherst offer great access to healthcare, shopping, and proximity to Boston.
Seacoast Region – Communities near Portsmouth, Dover, and Hampton blend coastal charm with low-maintenance living.
Lakes Region and Central NH – Ideal for buyers looking for scenic beauty and relaxed pace without isolation.
We’ll help you explore which areas best match your lifestyle — whether you prefer being close to family, a walkable downtown, or peaceful natural surroundings.
3. What’s Included — and What Isn’t?
One of the biggest draws of 55+ communities is the simplicity. Most include some combination of:
Exterior maintenance (roof, siding, decks, etc.)
Lawn care, landscaping, and snow removal
Trash pickup and common area upkeep
Clubhouse or community event access
But keep in mind:
You’ll typically pay monthly condo or HOA fees
Not all include utilities or property taxes
Some communities may restrict changes to your home or yard
Pet policies and guest restrictions may apply
We’ll walk you through every association’s disclosure so you know exactly what you’re getting — and what you’re responsible for.
4. Financing a Home in a 55+ Community
Financing a home in a 55+ community is often similar to any other purchase — but there are a few unique factors to consider. As always:
📌 We are not mortgage brokers and cannot offer financial advice. The information below is provided as a general overview. We encourage you to consult a licensed mortgage lender for personalized financing guidance. We’re happy to connect you with trusted local professionals.
Depending on your situation, here’s what to consider:
Many buyers in 55+ communities use equity from a previous home sale
Conventional loans are common, especially if the development is FHA-approved
Lenders may ask for a review of the community's financial health (reserves, occupancy rate, etc.)
Some buyers explore reverse mortgages or HELOCs as part of a downsizing strategy
A conversation with your lender early on will help you set clear expectations and make your purchase smooth and stress-free.
5. Is a 55+ Community Right for You?
These communities offer a unique blend of independence and ease — but they’re not for everyone. Here are a few things to consider:
It may be a great fit if you want:
One-level living and easy maintenance
A quieter environment
Built-in community and amenities
Predictable monthly costs
It might not be the right time if you:
Need space for multiple generations or children under 18
Travel frequently and don’t want to be tied to community rules
Prefer a totally private, rural setting without neighbors
We’ll help you weigh the pros and cons based on your lifestyle, health, and goals — no pressure, just honest conversation.
Final Thoughts
Moving into a 55+ community isn’t just about downsizing — it’s about right-sizing for the life you want now. Whether you're planning ahead or ready to make the move today, the key is finding a community that fits you — not just your budget.
At Lovlien Realty Group, we specialize in helping active adult buyers across New Hampshire find homes that offer comfort, convenience, and community. We’ll guide you through the search, help you navigate the HOA details, and advocate for your needs every step of the way.
📞 Thinking about making a move into a 55+ community? Let’s start the conversation.
📍 Local expertise. Personalized service. Helping you find where life flows next.
