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Unpacking the downsides: What are the disadvantages of living in a 55 plus community?

According to a 2025 report from Rocket Mortgage, some of the most common problems with over-55 communities include high HOA fees and strict rules. These communities, while offering many benefits, also come with specific limitations and downsides you should carefully consider, especially when asking: What are the disadvantages of living in a 55 plus community?