Ranked by Capital Back — how much of the resident's capital comes back to the family, scored purely from each village's own statutory Disclosure Statement. Life Score shown alongside, never blended. 20 of 20 Otago villages have a published score.
| # | Village | Location | Capital Back | Life Score | Deferred fee | Capital repaid |
|---|---|---|---|---|---|---|
| 1 | Queenstown Country Club | Lake Hayes, Queenstown Lakes | 62 | 79 | 30% | ~82d |
| 2 | Frances Hodgkins Retirement Village | Saint Clair, Dunedin | 60 | 82 | 30% | ~125d |
| 3 | Ripponburn Lifestyle Village | Cromwell, Central Otago | 60 | 65 | 30% | ~21d |
| 4 | Golden View Lifestyle Village | Cromwell, Central Otago | 57 | 81 | 28% | ~117d |
| 5 | Summerset at Bishopscourt | Wakari, Dunedin | 57 | 84 | 25% | ~165d |
| 6 | Chatsford | Mosgiel, Dunedin | 55 | — | 5% | ~88d |
| 7 | Aspiring Village | Wanaka, Queenstown Lakes | 53 | 92 | 25% | ~125d |
| 8 | Brooklands Village | Mosgiel, Dunedin | 53 | — | 27.5% | ~85d |
| 9 | Arrowtown Lifestyle Village | Arrowtown, Queenstown Lakes | 50 | 72 | 25% | ~192d |
| 10 | Yvette Williams Retirement Village | Roslyn, Dunedin | 50 | 91 | 30% | ~120d |
Market context: the national median Capital Back is 47; Otago's median is 50. Only villages with a published score are ranked — see the methodology. Operators may request a review of any figure.
These Otago villages publish a strong lifestyle offering (Life Score ≥ 75) alongside filed financial terms that score under 42 — the combination families most often walk into blind. The figures are the village's own; weigh both before you sign.
| Village | Location | Life Score | Capital Back | Deferred fee |
|---|---|---|---|---|
| Observatory Village | Oamaru, Waitaki | 75 | 37 | 30% |