Types of Independent living

types of independent living

Independent living is a popular choice for many older adults and individuals with disabilities who wish to maintain their independence and continue living in a community setting. This living arrangement enables them to enjoy a high quality of life, engage with peers, and participate in various recreational and social activities without the constraints typically associated with institutional living. In the United States, there are several types of independent living options to choose from. This article delves into the main types, their features, and who might benefit most from each.

1. Senior Apartments:

Senior apartments are housing complexes designed specifically for older adults who are generally able to care for themselves. They may be part of a larger senior community or standalone facilities.


  • Age-restricted, typically for residents 55 or older.
  • Offer a range of amenities such as fitness centers, community rooms, and organized social activities.
  • Generally more affordable than other independent living options.

Best for: Seniors seeking an active community setting with peers of similar age, without the responsibilities of home maintenance.

2. Retirement Communities:

Retirement communities, also known as 55+ communities, are planned communities for active seniors.


  • Provide homes, townhouses, or apartments designed for seniors.
  • Amenities such as golf courses, clubhouses, swimming pools, and more.
  • Organized social and recreational activities for residents.

Best for: Active seniors who want to downsize but still crave an energetic lifestyle and social engagement with their peers.

3. Continuing Care Retirement Communities (CCRCs):

CCRCs offer a continuum of care, from independent living to assisted living and skilled nursing care, all in one location.


  • Allows residents to age in place, moving to different care levels as needs change.
  • Often require an entrance fee and monthly charges.
  • Include amenities similar to other retirement communities.

Best for: Seniors who want the reassurance of long-term care options available on-site if their health needs change.

4. Low-Income Housing:

For seniors with limited financial resources, the U.S. Department of Housing and Urban Development (HUD) offers subsidized housing options.


  • Rent is based on income.
  • Provides safe, clean, and affordable living environments.
  • Some facilities offer additional supportive services.

Best for: Seniors with limited income who need a safe housing solution and possibly additional supportive services.

5. Naturally Occurring Retirement Communities (NORCs):

NORCs aren’t specifically designed for seniors, but over time, have a significant concentration of older adults.


  • Can be a specific apartment building, housing complex, or even a neighborhood.
  • Community and health services might be introduced to support the aging population.

Best for: Seniors who want to stay in their current community or neighborhood, with support services available as needed.

6. Cohousing:

Cohousing is a type of collaborative housing where residents actively participate in the design and operation of their own neighborhoods.


  • Individual homes within a larger community setting.
  • Shared facilities like common kitchens, dining areas, and recreational spaces.
  • Emphasis on community involvement and decision-making.

Best for: People of all ages, including seniors, who value community collaboration and shared responsibilities.

7. Accessory Dwelling Units (ADUs):

Also known as granny flats or in-law suites, ADUs are additional living spaces on properties that would typically be used for a single-family.


  • Can be a converted garage, basement, or a separate structure in the backyard.
  • Allows seniors to live close to family while maintaining independence.

Best for: Seniors who want to be near family and have the financial means or space to build or renovate an ADU.

Independent Senior LivingĀ 

The Importance of Independent Living:

Independent living is essential for many seniors because it provides them with the opportunity to maintain autonomy, dignity, and a sense of purpose. These settings prioritize community, socialization, and active lifestyles, all of which contribute to overall well-being and mental health.

When selecting an independent living option, it’s crucial to consider factors like cost, location, amenities, and potential future health care needs. Doing so ensures that seniors can enjoy their golden years in a supportive, enriching, and engaging environment.

In conclusion, the U.S. offers a plethora of independent living options to cater to the diverse needs of its aging population. Whether you’re seeking a vibrant community of active seniors, a setting that allows you to age in place, or an affordable housing solution, there’s an independent living option that’s right for you.