Senior age-restricted apartments follow HUD regulations, which make legal allowances for this unique kind of "age discrimination”.   Minimum age restrictions begin at either 55 or 62 years of age. Exceptions are made by HUD regulations for renters who are under the minimum age, if they are handicapped.  Senior Apartments are considered one of several types of housing defined as Independent Living.

Nearly half of all seniors moving to an apartment complex prefer age-restricted apartment buildings over age-integrated ones. The primary reason is that age restricted living offers more secure living among peers who also share their interests.

Senior apartment buildings have begun adding services as a way to retain their frail and aging residents.  Shared meals, transportation, and housekeeping are among the most common extra services many  Senior apartment buildings offer - at a cost over and above rent.

Price Categories For Senior Apartments

The three pricing categories of Senior apartments (although all may not be available in any one market) are:

(1)     Market rate apartments

(2)     Above market rate, luxury rentals

(3)     Affordable apartments

Market rate apartments for Seniors are just that. They offer unit size and numbers of bedrooms and baths as rentals in the area at a competitive monthly rate - or occasionally 10-15% under general age-occupancy market-rate rents.

Age-restricted communities may offer different amenities and other advantages geared to the needs and preferences of Seniors.

Above market rate, luxury rentals are a relatively new offering in the the Senior age-restricted market.  They attract the affluent senior who want a "home" in a second city, or wants to be free of maintenance without giving up luxuries. 

Several higher-end hotel chains (Hyatt, for example) and developers like Del Webb are offering age-restricted luxury maintenance-free residences - some available to adults beginning at age 55.

Affordable apartments for seniors (sometimes 55+; more often 62+) are in high demand and short supply. Social, cultural and medical changes have certainly contributed to the growing need for this Senior housing option

Affordable apartments have been created by government programs since the 1930s. It is important to understand that what is defined as affordable in one community may not match the definition of affordable in another community.

  1. Housing is considered "affordable" if one pays no more than 30 percent of their monthly income for rent and utilities. To provide housing that is "affordable," the government bases affordability on the county median income.

  2. Housing labeled "affordable" also requires that a person who earns (or receives) the median income in that county must not have to spend more than 30 percent of that income to pay their rent and utilities.

  3. Programs that provide opportunities for affordable housing are structured or defined by regulations from federal, county or city government legislation.   They may not be available in all areas; or they may be full and have a waiting list.

To Find Affordable Housing Opportunities In Your Area

  1. Contact local city and county housing agencies for information.

  2. Local senior centers and Area Agencies on Aging may also be able     to identify affordable housing - or even outline the steps for getting onto waiting lists. (Because of undersupply, almost all regions have waiting lists for affordable rentals.)


Senior renters include (a) those who have been renters through their most or all of their adult life or (b) people who have sold the home,  townhome or condominium they have lived in for many years and have now decided to move into an apartment. 

The majority of senior apartment renters do not move further than five or ten miles from their former residence, unless they choose to relocate further away in order to be close to relatives

Senior renters also include people who may have been forced from owning a home to renting because of circumstances such as:

  1. Unplanned-for longevity, resulting in more older Americans outliving their financial resources

  2. A divorce and the need to divide the equity (there is an trend toward increasingly high divorce rates among women now aged  55 to 80)

  3. A growing predominance of women aged 65 and older with lower retirement income

  4. More women outliving their husbands, resulting in lowered retirement income

  5.   The inability to continue making house payments and/or keep up the property

  6.    A desire to be free from home and yard maintenance

  7.   The death or relocation of friends and relatives and the desire to relocate to an area where there will again be an emotional or social support-network

  8.   The need to sell a home to free up equity that can be invested to generate interest and/or dividend income

  9. Having the freedom to travel more without having to worry about property concerns at home

Age-restricted apartments are preferred by Seniors for many reasons, but primarily because it offers a secure, independent living environment among others their age who share similar lifestyles and interests.

17 Things to Consider                                                         When You Go Apartment Shopping                     From AsYouAge

  1. 1.  Parking convenience to the living unit

  1. 2.  Lighting and security around parking areas

  1. 3.  Storage

Are there a lot of closets and cupboards?

Is their common storage for an additional fee?

  1. 4.  Stairs.

Stairs can be either an obstacle or a means of staying fit for residents, depending on mobility

  1. 5.  Distance to shopping and other amenities - walking or riding

  1. 6.  Availability and convenience of facility or public transportation

  1. 7.  Distance to medical facilities and doctors

  1. 8.  Building Security

Total complex access from external streets

            Adequate security  (24-hour personnel and security features)

Individual apartments with deadbolt locks, easy-to-reach peep holes on doors

            Intercom to front door, apartment entry and front desk

            Emergency alarm and smoke detector in each apartment

            Lockable windows (patio doors) in every apartment

  1. 9.   Grab bars in bathroom and tub area

  1. 10. Cabinet and counter height that meets your needs

  1. 11. Shower and/or tub arrangements to meet your present and future needs

  1. 12. Management quality and experience

  1. 13. Amenities on site:




Laundry facilities

  1. 14. Services and activities available or provided

  1. 15. Distance to relatives and friends

  1. 16. Cultural activities available in surrounding community

  1. 17. Availability of rent subsidies; acceptance of rent vouchers


Above Market Rate Apartments offer extra services and amenities to seniors who want maintenance free living without giving up their upscale lifestyle.

Senior apartments are available in both urban and suburban settings.  You can find senior apartments in 3 general price categories: (1) local market rates; (2) above market rates (luxury apartments); and (3) affordable rates.

Area Agencies on Aging, as well as counties, communities, senior centers, faith ministries and local senior centers can help Seniors find affordable housing.

Market Rate Senior Apartments offer rentals that offer unit sizes and pricing at rates rates that are competitive (or slightly below) the local rates.  Provides Free, Reliable Senior Information and Resources

The content on is provided as a courtesy for our site visitors. The information, resources, links, advertisements and other material on AsYouAge does not constitute a professional opinion or advice; nor does it constitute an endorsement of any organization or the information, products and/or services they may offer. AsYouAge reviews and updates its content regularly when new and relevant information is made available. This information is neither intended nor implied to be a substitute for professional advice in any area: health, medical, legal, insurance, financial or any other area. Always seek the advice of your physician or qualified health provider, or caregiver, attorney, financial, insurance expert or other specialist prior to starting, dropping or changing your current program or have questions or concerns  regarding current or anticipated issues.


Copyright 2009 - 2013.  All Rights Reserved.

As You Age

Senior Apartments - Senior Restricted Apartments

The content on is provided as a courtesy for our site visitors. The information, resources, links, advertisements and other material on AsYouAge does not constitute a professional opinion or advice; nor does it constitute an endorsement of any organization or the information, products and/or services they may offer.

 Join Our Care Provider NetworkSign_Up_Provider_Network_Directory_and_Provider_Referrals.html is a directory of Senior information and Senior resources for in-home care, healthcare, senior housing, Social Security, Medicare, Veterans benefits, elderlaw, nutrition, fitness, travel, finance, medical symptoms, consumer protection, senior  care, caregiving and more.