Stretching across roughly 57 square miles, The Villages, Florida, is larger than Disney World and nearly as expansive as Washington, D.C. Yet for its residents—known as “Villagers”—the size is just part of the appeal. Home to more than 150,000 people, this 55-plus master-planned community offers a unique combination of vibrant lifestyle amenities, financial perks, and a strong sense of community that’s hard to match anywhere else in the U.S.
Located in Central Florida near Orlando, The Villages is consistently ranked as one of the nation’s top retirement destinations. Many residents cite not only the warm climate but also the financial advantages of making Florida their permanent home. “I work with retirees who choose The Villages for a reason,” says Rob Edwards, managing director at Edwards Asset Management in Naples, Florida. “Between the sunshine, the social lifestyle, and the tax benefits, it just makes sense for a lot of people.”
Financial Advantages of Florida Residency
One of the biggest draws for retirees is the tax structure. Florida has no state income tax, no estate or inheritance taxes, and homeowners can qualify for homestead exemptions that lower property tax bills. For residents 65 and older, additional exemptions may apply, depending on annual income. “Many Villagers have established residency to take advantage of these benefits,” notes Leah Miller, a marketing strategist specializing in community-based living. “This can translate to meaningful savings for retirees drawing from Social Security, pensions, or retirement accounts.”
The cost of living in The Villages varies depending on the property. Homes start around $300,000 and can exceed $1 million, giving buyers flexibility based on their budget and lifestyle preferences. HOA-style amenity fees average about $189 per month, covering access to pools, recreation centers, golf courses, and community events. Property taxes are modest compared to many coastal states, though homeowners must factor in rising insurance costs due to Florida’s hurricane risk.
A Lifestyle Built Around Community and Recreation
Life in The Villages is anything but quiet. Residents enjoy an endless roster of activities, from golf and pickleball to social clubs, live music, and community events. Pickleball, in particular, has become a signature sport here, with hundreds of courts available across the community. “Every day in The Villages feels like the weekend,” says Karen Keeler, a resident who, along with her husband John, enjoys golf mornings followed by lunches at one of the town squares.
The Villages features three central town squares—Spanish Springs, Lake Sumter Landing, and Brownwood—where live entertainment, dining, and shopping are available year-round. Carole Rader, a Villager for over a decade, calls it “Disneyland for Adults,” noting that the nightly concerts and social gatherings provide a constant stream of options for recreation and connection.
Healthcare Access and Convenience
Another major consideration for retirees is healthcare. The Villages is designed with medical accessibility in mind, offering primary care, specialty care, urgent care, and even hospital services within easy reach. UF Health Spanish Plaines Hospital serves the community, complemented by telehealth and on-site EZ-Care Services. Most facilities accept Medicare, Medicaid, and private insurance, allowing residents to receive timely care without leaving the neighborhood.
Buying a Home in The Villages
With more than 70,000 homes spread across multiple villages, buyers have ample options. “Once someone visits The Villages, they usually fall in love,” says Jennifer Beeston, executive vice president at Rate.com. “It’s rare to see anyone want to leave.” Prices range widely, and newer builds typically command higher premiums. The variety ensures there’s a home for every retirement plan, whether you’re seeking a cozy villa or a luxury estate.
The Social Fabric
The community’s strength lies in its social infrastructure. Villagers often gather for potlucks, card games, or themed events, and it’s common to run into neighbors at golf courses, pickleball courts, or local eateries. Families often span generations, with many residents having children or siblings who also own homes in the area. Lori Duffy, a resident of Sabal Chase, says that retiring in The Villages “offers a genuine quality of life,” citing an abundance of activities and a family-friendly environment that’s rare in many 55-plus communities.
Considerations and Challenges
Despite its many advantages, The Villages’ size can be overwhelming, especially during peak “snowbird” season. Traffic congestion and longer waits at restaurants are occasional downsides, though residents emphasize that these are minor inconveniences compared to the overall benefits. Homeowners also need to plan for insurance costs and understand the implications of Florida’s homestead tax exemptions.
Final Thoughts
For retirees seeking a blend of financial efficiency, accessible healthcare, and a socially active lifestyle, The Villages delivers a compelling package. With its range of housing options, strong community engagement, and tax-friendly environment, it’s easy to see why the community continues to attract new residents from across the country. As one long-time Villager puts it: “Living here is like being on an endless vacation with friends, family, and neighbors you genuinely enjoy spending time with.”
