55+ Communities in Hillsborough County, FL
Looking for 55+ communities in Hillsborough County, FL? Momentum Realty tracks 10 Hillsborough County communities with evidence of active-adult living, each with MLS-derived pricing and market pace below — plus the local questions worth asking before you buy, and a direct line to an agent who works these communities.
A note on age-restricted housing: 55+ communities are lawful under the federal Housing for Older Persons Act. Age-qualification rules differ by community and can change; verify current rules directly with each association. Momentum Realty serves all buyers and sellers in accordance with the Fair Housing Act.
Hillsborough County 55+ communities at a glance
The communities, by recent sales activity
| Community | City | Median price | 1-yr change | Days on mkt |
|---|---|---|---|---|
| Sun City Center · agent | Sun City Center | $292,000 | – | 67 d |
| Del Webb's Sun City Florida · agent | Sun City Center | $234,000 | – | 102 d |
| Forest Brooke Active Adult · agent | Wimauma | $422,000 | – | 78 d |
| Valencia del Sol · agent | Wimauma | $412,000 | – | 92 d |
| Caribbean Isles Residential Cooperative · agent | Apollo Beach | $155,000 | – | 190 d |
| Valencia Lakes · agent | Wimauma | $435,000 | – | 86 d |
| Yorkshire at Kings Point · agent | Sun City Center | $335,000 | – | – |
| Kings Gate · agent | Brandon | $348,000 | – | – |
| Southshore Bay Active Adult | Wimauma | – | – | – |
| The Knolls of Kings Point II-A | Sun City Center | – | – | – |
Communities are listed by recent closing volume in Momentum’s MLS data. Figures are aggregates, change over time, and are deemed reliable but not guaranteed.
How 55+ communities work under federal law
Age-restricted communities operate under the federal Housing for Older Persons Act (HOPA), which requires that at least 80% of occupied units have at least one resident aged 55 or older, along with published policies demonstrating intent. Rules vary by community: some allow younger spouses or residents, some do not. Always verify the current age-qualification rules directly with the association before you offer — designations can and do change.
Fees, amenities and resale in active-adult communities
Active-adult communities concentrate amenities — clubhouses, pools, pickleball, organized activities — and fund them through dues that deserve line-item review. On resale, your buyer pool is age-qualified by definition, which changes marketing time; ask a local agent for days-on-market comps inside the specific community rather than the surrounding zip code.
What it costs to own here
At Hillsborough County’s typical combined millage of 15.73 mills, a purchase at $341,500 (the median across these 55+ communities) generates roughly $5,371 a year in property tax before exemptions — about $448 a month. Florida resets the assessed value to roughly your purchase price, so the seller’s current bill is not a preview of yours; a homesteaded owner then gets the $25,000–$50,000 exemption and the 3% Save Our Homes cap going forward. Citizens Property Insurance policies in Hillsborough County average about $1,816 a year ($151 a month) — private-market quotes vary with roof age and wind mitigation, so price coverage before your inspection window closes. All-in, our county model puts the typical monthly cost of ownership in Hillsborough County near $2,309 (principal and interest on the typical home, tax, and insurance).
Run your exact numbers: the property tax after purchase calculator uses Hillsborough County’s verified millage, and the buyer closing costs calculator builds the full cash-to-close.
Demand and supply in Hillsborough County right now
In the most recent IRS migration data (2022-2023), Hillsborough County lost a net 1,186 people to relocation, with the largest inbound flows from NY, TX, NJ. Households moving IN reported average incomes of $77,979 versus $72,366 for those leaving — the income mix of demand, straight from tax filings. Population is up about 8.0% over the recent multi-year window. On the supply side, builders pulled 8,696 residential permits in Hillsborough County in 2025 (4,295 single-family), down 3.9% year over year — against 17,443 at the 2022 peak. Permits are tomorrow’s inventory: a shrinking pipeline supports prices, a swelling one hands buyers leverage. Our valuation model reads the county as overvalued by about 3.0% versus its income-and-rent fundamentals.
The Hillsborough County market, in context
Hillsborough County is Tampa — the economic engine of Tampa Bay, with one of the most diversified economies in Florida spanning finance, healthcare, defense at MacDill, the port, and a fast-growing tech scene. Strong in-migration and a relatively affordable price point for a major metro have driven years of growth, though the 2024 storm season and rising insurance have introduced new caution on the coast.
The economy behind the market: {'drivers': 'finance, healthcare, defense (MacDill / CENTCOM), port and logistics, and technology', 'summary': "Hillsborough has one of Florida's most balanced economies. Finance is anchored by Raymond James (headquartered in the metro), a large Citigroup operation, and a growing fintech presence; healthcare by Tampa General, BayCare, and Moffitt Cancer Center; and defense by MacDill Air Force Base, which hosts U.S. Central Command and Special Operations Command. Add Port Tampa Bay, the University of South Florida, and major operations from Amazon, Jabil, and TECO, and you have a job base that rarely contracts across sectors at once.", 'employers': ['Hillsborough County Public Schools', 'University of South Florida', 'MacDill Air Force Base (CENTCOM / SOCOM)', 'BayCare Health System', 'Tampa General Hospital', 'Moffitt Cancer Center', 'Raymond James Financial', 'Citigroup (Tampa)', 'Amazon', 'Jabil', 'Hillsborough County government'], 'jobNote': 'MacDill Air Force Base hosts U.S. Central Command and Special Operations Command.'}
What could change it: The defining risk is water: much of coastal Hillsborough sits in storm-surge and FEMA flood zones, and the 2024 storms (Helene and Milton) were a sharp reminder, pushing insurance costs higher and buyer caution up. Flood-zone status and elevation are decisive near the bay. Inland, risk drops considerably. Rapid south-county growth also brings the usual traffic and new-supply absorption questions.
Near-term outlook: Expect Hillsborough to remain one of Florida's stronger large-metro fundamentals stories on the back of its diversified job base and migration, with modest near-term price growth. The swing factors are insurance and storm risk, which are reshaping coastal demand, and the heavy new-construction pipeline in Riverview and the south county, which gives buyers leverage.
Run the numbers in Hillsborough County
- Find the best agent in Hillsborough County
- Get a cash offer in Hillsborough County
- Hillsborough County housing scorecard
- What would selling net you
- Buyer closing costs calculator
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Common questions
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Community classifications are compiled from MLS-reported amenities, verified amenity records and MLS build-year data, as of 2026-06-16; they are informational, change over time, and are deemed reliable but not guaranteed — verify details with each association. Not an offer of housing to any protected class to the exclusion of others. Equal Housing Opportunity.