Conscious Aging in Cohousing Community

Published at

Written by Beth Baker

Mountain View Cohousing, Mountain View, CA. Architecture by McCamant & Durrett Architects

Mountain View Cohousing, Mountain View, CA. Architecture by McCamant & Durrett Architects

If she could pick one word to describe her community, Willow, 74, says it would be “adventure.”

“Most people who move into our community do have a sense of adventure,” says Willow, who helped organize Sand River Cohousing in Santa Fe, New Mexico.  “We encourage each other to keep growing, to stay alive and vital, to stay engaged in life. It’s a big advantage over a more traditional elderhood where one is more isolated and not involved in community.”

Sand River is among 161 cohousing communities in the United States (with nearly 100 more being formed). Cohousing is perhaps the most ambitious of the many grassroots models being created to allow people to age in a close circle of friends and neighbors, as I explore in my book With a Little Help from Our Friends—Creating Community as We Grow Older.

Unlike many alternative models, cohousing is an intentional community, built from the ground up. Each household is separate, so that members maintain privacy and boundaries. At the same time, the architectural plan encourages neighborliness.  A large common house accommodates frequent community dinners and other gatherings and often includes guest quarters, an art studio, library—whatever the community wants (and can afford).  Most cohousing communities are legally operated as condominiums.

Sand River is one of a handful of cohousing communities that were created for people over 55.  The community, originally called ElderGrace, decided to change its name after running into negative perceptions of “elder.” “We have some men in our community who didn’t want to tell anybody where they lived–they felt it created an image of gray-haired people walking around with walkers,” says Marty, an early resident. “People asked if it was assisted living.” When she ran into someone wondering if there were still two units in “ElderCare,” Marty agreed a name change was in order.

Living sustainably in more ways than one

Like many cohousing communities, Sand River takes pride in being green. Members collect rainwater, landscape with native plants, heat efficiently, and garden organically.

Unlike most cohousing communities, which can be costly, Sand River offers many members a financially-sustainable lifestyle. The community was developed by the Santa Fe Community Housing Trust, a nonprofit which supports affordable housing, in collaboration with the founding members.  When Sand River opened in 2009, homes ranged from $180,000 to $228,000, with one third of the 28 units designated as affordable, with mortgages under $100,000.  (The balance is held as a “soft second mortgage” by nonprofit agencies and is repaid when the unit is sold.) Home prices have risen a modest amount since then.

Willow says the affordable program “was a wonderful blessing to me. Lo and behold I could have community, which I wanted, and also buy a house—this is a miracle!”

She became involved with the planning group in 2005.  “We worked with the architect to design the houses,” she says.  “It was a wonderful creative process. We were able to create a village concept that was really important to us.”  For example, cars are kept on the perimeter of the property with walkways connecting the homes to the common house, in the heart of the community.  There, members come for tai chi, for discussions on healthy living or end-of-life concerns, book clubs, and art exploration.  In 2010, Sand River was given an AARP Livable Communities Award.

Willow is a veteran of community living.  She earlier lived in cooperative housing and then in a land trust community in Missouri, in which members each purchased five to ten acres of land as a way to preserve a forest threatened by clear-cutting.

So cohousing was a natural fit for her.  “I felt an affinity to living with people,” she reflects.  “I thought a wonderful way to age in place was to age with other people who are also at that point in their lives where we were finished raising our families, and really embarking on a new adventure.  For many of us, our career enthusiasm was something of the past as well.  So the focus was more on living creative, vibrant lives as we were aging. And to encourage and support each other to live in a healthy way and to stay active.”

Sandy, 75, the self-described “newbie” of the community, says that turning 60  “was a real marker event for me emotionally, and I realized I didn’t know how to age gracefully. So I started a search and discovered cohousing.”

She and her late husband came to Santa Fe to attend a conference on “re-potentiating aging.”  They had both retired from teaching and from raising their kids in Boise, Idaho, and were open to something new. They were drawn to the concept of living in community and of conscious aging. “If I wanted to be a hermit or live alone in an insular house in the suburbs, I could have done that,” she says. “But I wanted the opposite.  I wanted community and the give and take and the communication.”

Consensus—a challenge and an opportunity to grow

For many people, the most challenging part of cohousing would be its consensus form of decision making.  “Majority rules” does not apply.  Instead, members discuss significant decisions until agreement is reached. In that way, proponents say, consensus is more democratic than voting because it honors and respects each voice.  But the process takes time and patience.

“I really value the differences of opinion which help us see the whole picture and come out eventually with a decision that everyone can live with,” says Sandy. “That process of sharing and listening, it’s what we’re here for, to help increase the light as best we can.”

Although the learning curve can be steep, the opportunity to engage in consensus is an opportunity for personal growth, says Willow.  “There’s a greater understanding of ‘I’m not the center of the world.’ I can open myself and learn from other people and I can let go sometimes of my own opinion.”

Growing old together

Like many communities, Sand River members wonder how they will meet the needs of those who eventually need more assistance. What are reasonable expectations for members to have of their neighbors and friends?  The community already faces challenges.  A founding couple in their mid-80s now both have dementia. With paid help organized by their children, they remain at Sand River. “The dementia has an impact because it’s affected their social connection,” says Willow.  “It’s been more important for us to reach out to them because they’ve withdrawn.”

Sandy says she invites the couple and their caregiver over for tea now and then.  She agrees that how to help each other over the long term is an ongoing question. The community is “still in the process of discovery,” she says.

It helps that the community has a good age range—from late 50s to mid-80s.  Maintaining that balance will be important as they move forward, says Willow, as the oldest members will likely need more help with errands or chores.

Willow is on the well-being team, which is developing guidelines for emergencies. “If somebody falls or has a health emergency of any kind, how do we respond?” she says.  “That’s a really important issue.”  Her team will present its recommendations to the whole community, who ultimately will decide what guidelines to adopt. The community also has used the “Share the Care” system to support two members who lost their husbands.  “That’s a really beautiful tool, a way to assist each other,” says Willow.  “We just have to be careful to know our boundaries and limitations.”

Nationally, cohousing communities are wrestling with how to support members who may grow frail or who experience cognitive loss. One idea is to use the guest quarters in the common house or spare bedrooms in members’ homes for paid caregivers.  “The cohousing communities are very rich in resources of that type,” Oz Ragland, a national leader in cohousing and shared housing, told me. Another idea, not yet tried, is to develop a Green House-type cottage or other assisted living home onsite.

Willow hopes their active encouragement of health and well being will extend members’ independence. “I know if I was living alone, I would be a lot less active physically and a lot lonelier,” she says.  “I’m more of a quiet person, but because we’ve been friends with each other here, it’s so much easier to reach out.  It’s really kind of an inspiring way to live.”

Living Together, Aging Together

Published in The New York Times

Written by Paula Span

Sept 9, 2010


Silver Sage Cohousing, Boulder, CO. Architecture by McCamant & Durrett Architects

Silver Sage Cohousing, Boulder, CO. Architecture by McCamant & Durrett Architects

My friend Marty and I used to fantasize about a gracious old apartment building in the center of our New Jersey town. It would be great to grow old with a cluster of friends, we told each other, in a place only a few steps from movies and shops, the YMCA and the bus into Manhattan. One day we’d buy it and create the Montclair Old Newspersons’ Home, taking seats on the co-op board so we could approve as residents only people we actually wanted to live with. All it would take was $30 or $40 million that nobody had.

I’ve discussed similar daydreams with women friends, in which sales of now-too-large homes underwrite a shared house in California featuring small apartments, gardens, common areas for cooking and schmoozing, a room for our hired caregivers.

Lots of middle-aged people have such ideas, Craig Ragland, director of the 15-year-old Cohousing Association of the United States, told me in an interview: “Someone brings it up and everyone says, ‘That would be so great.’ And that’s where it ends.”

But a few determined people actually have created what’s called senior cohousing, small developments and neighborhoods that combine private homes with community connections and obligations and spaces.

Most of the 120 or so cohousing communities that the association knows of, with another 80 to 100 under development, are multigenerational, Mr. Ragland said. But Silver Sage in Boulder, Colo.; Glacier Circle in Davis, Calif.; ElderSpirit in Abingdon, Va.; and soon Wolf Creek Lodge in Grass Valley, Calif., are among those built or retrofitted specifically for older people.

You can see the appeal. “Any of us who’ve looked at the options for senior housing know that they’re not all that attractive,” Mr. Ragland said. Senior cohousing, though, promises the blend of privacy and kinship, plus the support for aging in place, that assisted living or continuing care retirement communities try to provide – but with the residents themselves firmly in charge. From hiring architects to setting pet policies, they run the show.

“This is a really good way to age,” said Dene Peterson, the 81-year-old spark plug of ElderSpirit, which opened in 2006. ElderSpirit’s 42 residents, aged 60 to 86, include homeowners who paid about $165,000 for a two-bedroom house and renters who pay $315 to $500 a month for subsidized “affordable” apartments. All share the common house, with its library, guest rooms, community gardens, laundry, dining room and kitchen, where rotating cooking teams serve dinner for 30 or so twice a week.

“People have formed some really strong relationships,” Ms. Peterson said. With friends ready to help with meals, rides and visits, “people don’t go to rehab after the hospital,” she added. “They come home.”

Wonderland Hills Development Corp. Annie Russell and Art Okner, Silver Sage residents.

Annie Russell, one of the original residents of Silver Sage in 2006, had a similar experience when she recuperated from knee surgery recently. “I had to sit with my leg elevated, but my neighbors were just great,” she said. “I was lucky to be here.”

Caveats abound, naturally. Not everyone is suited to consensus decision-making, potluck dinners or the responsibilities of community life. In Boulder, one founding couple moved out after a year, despite Silver Sage’s efforts to screen for compatibility. “They discovered it wasn’t their cup of tea,” Ms. Russell said.

Moreover, Ms. Peterson (a former member of a Catholic order, she had more congregant living experience than most) chose southern Virginia specifically to keep ElderSpirit’s costs moderate. In Boulder, real estate prices are much higher. Silver Sage members paid $450,000 to $850,000 in 2006 for their attached homes, though units the city designated as affordable housing sold for no more than $140,000.

I also noticed that, intriguing as cohousing sounds, if aging members become more than temporarily frail or disabled, it doesn’t provide long-term care the way a continuing-care retirement community might. “None of us have signed up to do that intense daily care that any of us might need,” Ms. Russell acknowledged. At some point, even with wheelchair-accessible homes and supportive friends, people will need to hire aides, just as they do in other locations. Or they’ll have to move.

Perhaps the biggest obstacle, though, is the amount of time and work it takes to establish such communities. Dozens have yet to move beyond the talking stage, and the real estate implosion has made the process, particularly financing, even more difficult. “The time to do that creative work has to be before you have needs yourself,” Mr. Ragland cautioned. “If you’re going to get involved, it needs to be when you’re in your 50s and 60s.”

The movement’s bible, “The Senior Cohousing Handbook,” by Charles Durrett, an architect who designed Silver Sage and Wolf Creek Lodge, acknowledges, “The sheer number of details alone can cause some groups to stumble.” But with models now in place, a community can rise in as little as two to three years, Mr. Durrett says.

In fact, enthusiasts predict another wave of building once the housing market stabilizes. The boomers are coming.

“The baby boomers are used to figuring out their own solutions,” Ms. Russell said. “We think they’ll like the idea of coming together and designing their own communities.”

Co-Housing for Older Adults: Casting Your Own Episode of ‘The Golden Girls’ (or Guys)

Written by Susan Hyatt of Silver Sherpa

May 9, 2018

As we age, some of the most difficult yet important questions we face often surround our living situations. How will our lifestyles and needs change? Where will we live and with whom? For some, their house is truly their home, and they would like to stay in it for as long as possible. Others may wish to move to a new residence, but don’t want to leave their community or lose their independence.

Co-housing is an intriguing option that is gaining traction among older adults in Canada. This style of living enables a group of people (sometimes a handful, sometimes a dozen or more) to invest in a property together so they can create a community designed to support them as they age.

What Is Co-Housing?

Broadly speaking, co-housing is a planned community that embraces collaboration and sharing. According to the Canadian Cohousing Network, the concept was first developed in Denmark in the 1960s. It was originally conceived as a way for young families to work together and create supportive communities in order to help alleviate burdens associated with childcare. Inspired by multi-generational co-housing in Denmark, co-housing for different age groups and demographics has spread globally.

As its reach has grown, so too has its meaning. Today, older adults are embracing the idea of co-housing as a way to empower themselves as they age—allowing them to age in place, retain their independence, and surround themselves with a close-knit community of like-minded individuals:

  • Residents manage their communities to meet their own needs, depending on support from their neighbours and outside caregivers, as required.
  • Spaces and structures are designed to be physically accessible and sustainable over the long term, and they feature both shared common areas as well as private, personal spaces.
  • Co-housing can take the form of a larger scale development project, but it doesn’t have to. It could also be a single household.

One of the simplest and best ways to set up a co-housing arrangement is to structure it as a standard corporation. This limits liability for members, provides increased flexibility, and is more easily recognized by financial institutions like banks.

If you’re considering establishing or participating in a co-housing arrangement, we encourage you to seek professional council to make sure it is organized to protect both you and the others involved.

Understanding the Pros and Cons of Co-Housing for Older Adults


Co-housing inspires and enables social interaction and engagement among its members and has many advantages, including:

  • A positive impact on physical, emotional, and mental health as members age.
  • Promoting co-care, a grassroots model of mutual support where residents assist one another with things like meals and running errands.
  • Financial advantages realized from pooling resources and sharing costs to decrease monthly expenses.

For many older adults, benefits such as these can make co-housing an ideal later-in-life option. It allows them to preserve their independence by owning their own home (unlike a retirement residence), all the while living in a made-for-them community organized to provide the supports they will need as they age.


If you’re considering setting up a co-housing arrangement, we encourage you to research your options and obligations. A couple of challenges to be mindful of include:

  • Planning and communication is critical for success. After all, you are establishing your own community instead of moving into a retirement residence with pre-established norms and regulations. Many co-housing advocates and members also see this as a perk, however, because it gives them the opportunity to tailor rules and guidelines specifically to suit their community.
  • Zoning and by-laws differ by municipality, requiring significant research, specific applications, and potential appeals.
  • Co-housing often isn’t subsidized, which means residents and members need to be prepared to make the necessary investments to get the most out of their investment.

Considering the Living Options Available to You

Although co-housing solutions work for some people, they are not right for everyone. Older adults who would like to age in place can also consider options such as:

  • Home sharing, which is like co-housing in that it enables an older adult to share their home with someone. The key difference is that there is no joint ownership. Instead, the owner rents part of their house or unit to a tenant, often at a reduced rate to take into account the household responsibilities (cleaning, gardening, looking after pets, etc.). Burlington Age-Friendly Seniors Council and Community Development Halton have developed a useful resource for those interested in this alternative housing option.
  • ‘Granny Pods’ or garden suites are pre-fabricated structures that are typically installed in backyards, allowing older adults to live on their own while also being close to a family member. If you are considering this option, we recommend checking the building and zoning bylaws in your municipality.
  • Secondary suites (sometimes called in-law suites or nanny suites) are typically easier to set up (from a zoning perspective), however accessibility might become an issue as a person ages and has greater difficulty navigating things such as stairs.

In addition, there are a variety of other living options older adults can chooseincluding homecare, active adult living communities, and independent living.

Even if retirement is still a decade or so away, we encourage you to begin planning now by considering questions like:

  • Do I want to stay in my home?
  • Do I want to remain geographically close to my family?
  • Do I have pets that will need to move with me?
  • What type of community do I want to live in?
  • What types of supports will I need as I age?

Your needs will continue to evolve as you age, but by starting the conversation and considering all of the options available to you, you can plan for a future that meets your unique needs.