“Is a retirement community right for me?”
What do older adults really think about retirement communities?
Retirement communities. Later living communities. Or, if you go by the official industry term, Integrated retirement communities (IRCs). Whatever you call them, the concept is growing — offering older adults a blend of independence, optional care, and shared amenities. But do the people they’re designed for actually want to live in them?
In our most recent qualitative study, Boomer + beyond returned to this question. We spoke to people in their 70s and 80s across two stages of research - first in November 2024, then again in March 2025. Most were in good health, some were facing increasing challenges.
All were considering what the future might hold.
"I suppose you don't think about it until you have to"
First things first: awareness of IRCs is mixed. A handful of respondents in both groups could name local examples or had friends or relatives living in one. Others needed the idea explained, often confusing IRCs with care homes. Once clarified, however, the model generally made sense - and often prompted more nuanced reactions.
Many said they weren’t ready yet, but could see a time when they might be. Others found the idea appealing in principle, even if they had no plans to move.
The upsides: independence, companionship, and peace of mind
Several participants responded positively to the idea of IRCs as a kind of safety net: a space that balanced autonomy with access to help if needed.
Some appreciated the idea of social connection without obligation. Others saw it as a practical option for later life: less maintenance, more support.
“It sounds like the kind of place where you could still be yourself, but with things on hand if you needed them."
"I consider it an outstanding proposal. The fear of going into a care home... this gives you freedom instead."
"The idea of not being alone is comforting. But not being forced into bingo every day."
A quiet reassurance: community and care when it counts
When asked what really mattered in later life, many respondents spoke about their health, wellbeing, and the desire to stay active and independent for as long as possible. For some, the value of being part of a community was less about the social calendar and more about knowing someone is there when needed.
"If something happened to me, someone would notice. That gives me a lot of reassurance."
"I like that care is there if you need it, but not pushed on you. It's your choice."
"My wife and I try to stay active, but it’s good to know that if something changes, we wouldn’t have to move again."
This kind of flexibility and support appeals even to those who currently feel fit and capable. Several said they were trying to plan ahead, not only for themselves but to reduce the burden on their families later down the line.
What gives people pause?
Despite the positives, hesitations are common. Some see IRCs as "too communal" or fear losing control. For others, it’s the money: high upfront costs, ongoing service charges, and the less-than-clear deferred management fees. Transparency was a recurring theme.
"It all sounds great until you see the cost. Then it feels like you're paying for a hotel you live in."
"I've heard stories where people can't sell their flats. That worries me more than anything."
"It’s not the idea that bothers me, it’s the feeling you’re signing up for something you might not be able to get out of."
Trust and familiarity count
Several respondents noted they would be more likely to consider an IRC if they knew someone who lived in one and was happy. Personal recommendations carried weight, while advertising and brochures were met with scepticism.
A few had direct experience of IRCs through family or friends, which strongly shaped their views - positively or otherwise.
"My mother was in one for years and loved it. Organised half the events herself."
"A friend of mine went into one. She hated being surrounded by people who felt old before their time."
Not now, but maybe later
Ultimately, few people we spoke to were actively planning a move to an IRC right now. But many were keeping the option in mind for the future. Health was the biggest factor likely to change their minds, followed by isolation, home maintenance, or bereavement.
"It’s something I’d consider if things changed, or if I was on my own."
"I like where I am. But never say never."
In summary
IRCs are not a hard sell - but they’re not a lost cause either. With greater transparency, more flexibility, and a focus on maintaining control and identity, they could play a bigger role in future retirement choices.
The interest is there. But trust, timing and clear communication matter just as much as the facilities themselves.
source: Boomer + beyond_Living well later_qualitative research study_2024/25