Sep 17, 2025
NBA Hall of Famer Shaquille O’Neal says he might hang up his size-22s in Florida’s most infamous seniors’ playground — just to see if it lives up to its reputation.
“The dream scenario is: There’s this place called The Villages,” the 53-year-old former Miami Heat star said during an episode of The Big Podcast. “The Villages is an old folks’ home, but they have the highest rate of STDs. I want to be there.”
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While there’s no official data confirming The Villages as the "STD Capital of America," the community has long held a reputation for its lively (and sometimes notorious) social scene. What is confirmed is this: according to the U.S. Census Bureau, The Villages was America’s fastest-growing metro area between 2022 and 2023, with a growth rate of 4.7%.
With 14 country clubs, 17 pools, an estimated 100,000 golf carts, and roughly 3,000 social clubs — covering everything from water ballet to cheerleading — the Manhattan-sized community is built for retirees seeking an active, social lifestyle.
Tempted to join the party? There are plenty of retirement communities across the country that offer vibrant senior living. But like any major lifestyle change, it’s essential to weigh the costs, risks, and realities, before making the leap.
More than 2,000 (expensive) options
As of 2025, there are approximately 2,000 Continuing Care Retirement Communities (CCRCs) across the country, according to Newsweek.
HumanGood in Santa Barbara, California, was ranked the top CCRC in the country in the publication’s annual study, while The Villages took third place.
However, the ideal community for you depends on your lifestyle preferences and budget. Most CCRCs offer a combination of healthcare services, recreational amenities, and community programs all in one location. But that package comes with a hefty price tag.
According to the nonprofit National Investment Center for Seniors Housing & Care (NIC), entry fees typically range from $50,000 to more than $500,000, with the average hovering around $300,000.
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Residents also pay monthly fees ranging from $3,747 to $4,166, depending on the community’s payment model and level of care.
In short, the dream retirement lifestyle doesn’t come cheap. Even if it fits your budget, it’s wise to review the fine print before committing.
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Reading the fine print
CCRC contracts come in many forms, and the fine print can have major implications for your retirement. Some communities charge a monthly rental fee tied to the unit, while others offer fee-based services with a lower upfront entry cost.
Some CCRCs advertise “fully refundable” entrance fees or deposits if a resident leaves the community. However, you and your family could still risk losing that money if the community declares bankruptcy, according to the Wall Street Journal.
To protect yourself, consider having a lawyer review the contract before signing or paying a deposit. These agreements can be dense and may include hidden fees or restrictions.
How to find your ideal village
If you’ve weighed the costs and risks and are still eager to join a retirement community, start your search with the government’s ElderCare Locator or by calling 1-800-677-1116.
Alternatively, you can explore LeadingAge, a nonprofit association of eldercare providers, for a list of nonprofit retirement communities in your state.
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Vishesh Raisinghani is a financial journalist covering personal finance, investing and the global economy. He's also the founder of Sharpe Ascension Inc., a content marketing agency focused on investment firms. His work has appeared in Moneywise, Yahoo Finance!, Motley Fool, Seeking Alpha, Mergers & Acquisitions Magazine and Piggybank.
