Great question. Unfortunately there is not really a straight forward answer. As per the federal Fair Housing Amendments Act of 1988(FHAA),an exception can be made with regards to age restrictive housing as long as it is intended and operated for occupancy by at least one person 55 years of age or older and that 80% of the occupied homes need to have at least one permanent resident who is 55 or over in order to qualify for the fair housing exemption. That being said, municipalities have the right in NJ to layer their own requirements on top. So, in reality you would need to check the local municipal statute to see what is permitted. Sometimes, someone under age 55 can live in and own a unit, and sometimes they can't. You just have to see what the local statute says. Getting a hold of the POS(Public Offering Statement) for a community will allow you to get the information also. Most sales centers will have a copy. Hope that helps.