Can You Live in a 55+ Community If You’re Under 55? Understanding the 80/20 Rule for 55+ Communities

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Can I Live in a 55+ Community if I’m Under 55?

Have you ever driven past a beautiful 55+ community and wished you could live there, even though you're younger than 55? You're not alone. It’s one of the most common misconceptions about active adult living. But here’s the truth: you might qualify right now.

Thanks to the 80/20 rule, there’s more flexibility than many people realize. And if you’re ready for a lifestyle built around connection, comfort, and convenience, Encore at Tradition could be exactly what you’ve been looking for.

What Is a 55+ Community?

A 55+ community is designed for adults who want an active, low-maintenance lifestyle without the demands of homeownership. These communities are centered on social connection, ease of living, and amenities that make every day feel like a getaway.

At Encore, you’ll find thoughtfully crafted homes, friendly neighbors, and beautiful shared spaces that encourage meaningful connection. It’s not senior living, it’s active adult living with a paradise mindset.

So, What Exactly Is the 80/20 Rule?

The 80/20 rule is a federal housing guideline that allows up to 20% of residents in a 55+ community to be under the age of 55, as long as no one under 18 lives in the household.

That means if you’re in your 40s or early 50s and are drawn to the lifestyle and amenities, you may be eligible to live at Encore. Since availability is limited, it's a good idea to reach out and ask about availability.

Clearing Up the Misconceptions

One of the biggest myths about 55+ communities is that you have to be retired or ready to slow down. The reality is quite the opposite. Many Encore residents are still working, volunteering, traveling, and filling their days with activities they love.

While Encore's lifestyle certainly allows for down-time and relaxation, more than anything, it allows you to choose the way you want to live. If you're curious about how the age requirements work and why younger residents are often a great fit, check out this helpful article and guide.

Discover the Encore Lifestyle

Encore at Tradition offers more than just a home—it’s a lifestyle. Residents enjoy access to a private clubhouse, resort-style pool, fitness center, pickleball courts, walking trails, social events, and more. Our amenities are everything you need to stay active, connected, and fully enjoy each day.

Still exploring your options? Our Stay & Play pass gives you the chance to experience the Encore lifestyle firsthand before making the decision to move.

Why Wait?

If you’re craving more connection, more convenience, and more time for what matters most, now could be the perfect time to explore life at Encore at Tradition. Age doesn't have to get in the way of enjoying the lifestyle you've been dreaming about.

Contact us today to learn about eligibility, schedule a tour, or find out if an under-55 spot is currently available.

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Encore at Tradition is a vibrant 55+ active adult rental community located in the heart of Port St. Lucie, Florida. More than a place to call home, Encore is a community built for those who want to live fully and freely. Choose from modern apartments and spacious villas with attached garages, and enjoy resort-style amenities and maintenance-free living. Whether you're looking to relax, connect, thrive or explore, Encore is where active adults come to live life to the fullest. Your best years are ahead. 

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