Leo Eisenhoff, right, Ed Cox, left, and Ed Chenetz, center b

UNITED STATES - DECEMBER 12: Leo Eisenhoff, right, Ed Cox, left, and Ed Chenetz, center background, work out in the exercise room in the clubhouse at Concordia, a 55 and-over age-restricted housing community in Monroe Township, New Jersey, Saturday, Jan. 13, 2007. Educating a child in New Jersey costs an average of $12,567 a year, the most in the nation and more than double the property tax parents typically pay. So local governments have hit upon a way, short of handing out contraceptives, to expand the tax base without the expense of higher enrollment: age-restricted housing. (Photo by Daniel Hulshizer/Bloomberg via Getty Images)