Virtual retirement communities offer a unique alternative to traditional housing. These organizations allow seniors to remain in their current homes while accessing essential services like transportation, in-home repairs, and health consultations. For a relatively low annual fee, seniors can enjoy many of the benefits of retirement homes without the associated high costs.

The Housing Choice Voucher program is another valuable resource for low-income seniors. Administered by local Public Housing Agencies, this federal program helps seniors pay their monthly rent in private housing units. Eligibility is determined by income, which must not exceed 50 percent of the area's median income. The program provides flexibility in choosing a residence while covering a significant portion of rental costs.

Co-op housing is an increasingly popular option for seniors seeking community and affordability. By purchasing shares in a cooperative housing corporation, seniors can lease a unit and access shared amenities. This arrangement can be financially advantageous and allows residents to participate in building management decisions, enhancing their quality of life while saving costs.

Public housing remains one of the most accessible options for low-income seniors. Managed by local housing authorities, these units include everything from single-family homes to high-rise apartments. Rent is determined by annual income, making it a budget-friendly choice for many seniors. Public housing also enables residents to stay within their communities, ensuring continuity and support.