This study has been performed to explore process of forming low cost small site housing communities and residential lives of the young elderly around small cities along rural counties of America and Canada, and suggest future implications for Korea. In this study, five low cost small housing zones such as cottage and mobile home parks in non-metropolitan counties of California and Ontario State such as Weed, Paradise, Sun City,, Wellington on the Lake, and Trenton were visited and the elderly residents and service experts were interviewed. The senior concentrating housing clusters were formed primarily from influx of both metropolitan and rural residents for the purpose of seeking warmful localities, traffic connections, and business purposes in theme focused production areas. On the other hand, residential lives in the zones are occasionally negatively influenced by unbalanced concentrations of elderly facilities such as nursing stations and funeral homes. For the future of Korean rural elderly policies, suggestions are made as follows: first, integrated forms of urban and rural township need to be settled as attracting places for early retiring people who seek low cost pastoral oriented but culturally activated environment. Second, a model town of mobile housing structures needs to be initiated as a measure of evaluating adaptation process of those movers. Third, a cooperation system among governmental ministries needs to be formed in order to integrate a long term master plan of establishing traditional rural town of independent housing districts. fourth, productive and active lifestyles need to be maintained for government lead retirement rural villages by limiting expansion of nursing related facilities around the independent areas. Fifth, visiting welfare service programs and volunteer groups need to be further developed for the housing area especially in winter time, when social integration and emotional comforts are extremely limited.