How to Choose Retirement Housing

Retirement living should be about enjoying your golden years in a place that suits your needs. When you first look around a community, it might seem ideal, but things may change when you live there.  To help prevent against issues, use the following checklist for choosing retirement housing as a guide:

Photo by Scott Jacob

Aim For Community

When looking for an ideal retirement community, look for homes near family and friends. The best place to be is close to your friends and family for support. Family and friends can enrich your retirement and provide help and community. If you do move away from family, remember to pick up hobbies or sports to provide yourself with a social network for support.

Amenities in Retirement

Consider closely how you would like to spend your days in retirement. Do you like to swim, play golf or tennis, take walks, or dine out? Consider the amenities you will find most appealing while choosing your new retirement community and retirement home.

Better Climate

The weather is also something to take into consideration when choosing where to retire. As we age, we find that we cannot tolerate heat, cold, or temperature extremes. Take into consideration the range of seasons and temperatures in the locations of your chosen retirement communities before making a decision.

Calculate Taxes

Taxes vary from state to state, therefore, think about lowering your taxes by moving to a community with a lower cost of living taxes. Consider other types of taxes too, such as property or income taxes among your retirement community choices. However, don’t let that be your only consideration – some areas may have lower taxes, but no public services, like public transportation.

Consider the Cultural Climate

Look at your political, social, and religious values. Which retirement community more closely fits with your cultural norms? Understanding the political climate of the state, the available religions, and popular hobbies, and local cuisines in the new area can help you decide which community is right for you.

Employment Opportunities

Even if your retirement fund and social security benefits are adequate for your needs, you may find that you enjoy holding a part time job or like to engage in volunteer opportunities. Select a retirement community and home with job opportunities and volunteer positions you are interested in, You might also line up a job or volunteer position before landing your dream retirement home, for added security.

Health Care Availability

A big concern in retirement is the available health care facilities. Before choosing your retirement home and community, make sure it is near health care facilities and that they are covered by your insurance carrier. This is especially true if you have a specific illness, your chosen community should offer the specialists to provide you with your health care needs.

A Checklist for Choosing Retirement Housing

As you write out your checklist for choosing retirement housing and a community, also consider the cost. Remember to budget your new lifestyle, including transportation costs. And before you put down roots, take the area for a test drive by taking a vacation there, or even renting an apartment in the area for a couple of months. While visiting, make a list of pros and cons to help identify the problems and perks of your new community.

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