Retirement isn’t a distant milestone anymore—it’s here. Nearly 12,000 Americans will turn 65 every day over the next two years, and many are planning to retire in 2026 and 2027. If that includes you, now is the time to think about what you truly want this next chapter to look like.

For many homeowners, retirement isn’t about having less—it’s about living lighter. Easier days. Easier upkeep. Easier access to the people and experiences that matter most.

According to the National Association of Realtors, the top reasons people over 60 move are all lifestyle-driven: being closer to children and grandchildren, choosing a smaller and more functional home, relocating after leaving the workforce, and reducing monthly expenses like utilities and maintenance. The common thread? Simplicity and freedom.

Downsizing isn’t about giving something up. It’s about gaining control and aligning your home with the life you want now—not the one you needed 20 years ago.

And here’s the encouraging part: it may be more doable than you think. Thanks to years of home appreciation, the average homeowner has nearly $300,000 in equity. For those who’ve owned their homes longer, that number is often even higher. Over time, home values rise while mortgage balances shrink or disappear—creating options.



If retirement is on your horizon, start by understanding what’s possible. A simple, no-pressure conversation can help you explore whether downsizing fits your goals—and what your equity could make possible next.