Cincinnati

A Guide to Retirement Communities and Other Senior Living Options in Cincinnati

Thinking of retiring soon? If Cincinnati isn’t on your list of possible destinations, you should definitely add it.

February 19, 2019

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Jan 22, 2019

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Thinking of retiring soon? If Cincinnati isn’t on your list of possible destinations, you should definitely add it. Ohio is an underestimated retirement location, and Cincinnati, in particular, has much to offer.

WalletHub places Cincinnati at #13 on its list of top US cities for retirement. Retiring in Cincinnati means being able to enjoy everything the city has to offer. As one of Ohio’s major metropolitan areas, Cincinnati is brimming with history and culture. The city is situated across the river from Kentucky, and it played a major role in the Civil War. There are a number of museums along the riverfront that seniors can enjoy, especially since Cincinnati is one of the many Ohio cities that boast high walkability scores. Living in a walkable city helps seniors maintain fitness and keep active - all while still being able to see their city without driving.

Beyond activities, Cincinnati is a smart choice for cost-conscious seniors. The overall cost of living is lower than average when compared to other US cities. According to consumer financial services company SmartAsset, the state of Ohio is considered to be tax-friendly for retirees. Social Security Income is not taxed, while income from public or private pensions is only partially taxed. If you plan to continue working, you’ll be relieved to hear that income tax is just 2.97%.

Ready to explore your options? Below you will find valuable information about retirement communities and senior living in Cincinnati.

two women on bicycles
Whether you have retired from your 9-to-5 job or not, community is an important part of life for many people.

What is a Retirement Community?

A retirement community, also referred to a “55-plus” community, is a neighborhood built especially for adults who are at least 55 years of age - although the age limit can be as low as 50 or as high as 60 depending on the specific community. The majority of seniors who live in these communities have retired from their 9-to-5 jobs, although that is not always the case. A retirement community can be comprised of single family homes, condos or apartments. Some communities are gated for added levels of security.

two older adults
Living in a retirement community has many benefits for seniors and older adults.

The Benefits of Living in a Retirement Community

Retirement communities are a popular option for older home buyers - and with good reason. The communities offer a broad range of amenities that allow seniors to keep their independence without dealing with the most burdensome aspects of owning a home. Typical amenities offered include:

  • Common area maintenance
  • Exterior building maintenance
  • Limited insurance
  • Sewer
  • Roof maintenance
  • Termite extermination, if needed


Furthermore, these 55-plus communities also usually offer a slew of amenities intended to make retirement healthier and more enjoyable for seniors. These amenities may include:

  • Pools
  • Fitness centers
  • Recreational activities
  • Senior happy hours in a community clubhouse
  • Organized outings
a key in the door of a home
HER Realtors can help you find senior living options in Cincinnati that feel like home.

Other Senior Living Options in Cincinnati

Retirement homes are unique among senior living options in that they usually do not put an emphasis on providing care. If you anticipate needing more help than you would get in a retirement community, it may be wise to consider another senior living option.

Real Estate Agents and Senior Living in Cincinnati

One such option would be an assisted living facility, which is normally an apartment-style living situation and on-site staff that specialize in assisting seniors with activities of daily living, such as medication management and general housekeeping needs. There are a wide variety of top-rated communities  in Cincinnati and many more in the surrounding neighborhoods.

Real estate agents can play an invaluable role in helping you understand the different senior living options available to you in Cincinnati. They can help ensure the retirement communities you are interested in include homes designed to meet your present and future needs.

Importantly, real estate agents know to target homes built with Universal Design principles in mind. Universal design homes are homes built to accommodate the changing health and mobility needs of seniors. Examples of amenities found in these homes include no step entryways, one story floor plans, wider doorways, open floor plans with extra floor space, and bathrooms that are senior-friendly.

If you would like to discuss the ins and outs of buying into a retirement community or another senior living option in Cincinnati, talk to the experts at HER Realtors. Our agents are well acquainted with this subject area and will be happy to explain the process in further detail or start you on your way to finding your new home.

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