55 + communities usually requires that at least one homeowner, or one member of each household to be aged 55 or over. Other members of the household may be younger, but all residents must be at least 18. That is the general rule.
If your desire is a one floor living and you cannot get into a 55+ community, you do have many other options available for you.
If you need help, I'll be more than happy to assist. e-mail: Tamer@LancasterSold.com.
Best wishes for you and your husband.