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When people shop for a home early in life, priorities are clear. Proximity to schools and parks matters. Large yards feel like opportunity. Extra bedrooms, oversized living spaces, and big kitchens top the wish list for growing families.
Later in life, those same features can quietly turn into challenges.
The yard that once hosted playsets and gatherings may now feel overwhelming to maintain. Extra square footage means rooms that require cleaning but rarely get used. Front porch steps feel steeper than they used to, and attic storage may no longer feel safe or accessible. What once fit your life perfectly may now require more energy, time, and physical effort than you want—or can reasonably give.
For many seniors, this creates a crossroads. Leaving the family home is emotional and deeply personal. But staying put and aging in place can come with its own set of challenges. The question becomes: should you move, or should you modify?
Before making a final decision, here are three important things to consider.
Will the next ten years look like the last ten? Probably not.
Aging is inevitable, and with it often comes changes in mobility, balance, and health. Research shows that roughly 7 in 10 adults who reach age 65 will need some form of long-term care support at some point in their lives — whether at home, in a community setting, or through skilled care. That reality makes it important to think ahead—not just about today’s needs, but tomorrow’s.
If you plan to stay in your home, ask yourself whether it can realistically be adapted to support future needs. This may include bathroom remodels, widened doorways, ramps, non-slip flooring, lifts, lowered countertops, or specialized safety systems. Beyond the physical changes, consider the logistics: Who will manage lawn care, housekeeping, and home repairs if you can’t? Who will oversee caregivers coming and going if you’re no longer able to do so easily?
Because of these concerns, many seniors are turning to Continuing Care Retirement Communities (CCRCs) as a long-term solution. CCRCs allow residents to begin in independent, maintenance-free living while providing priority access to assisted living, memory support, or skilled nursing if needs change. Care services are typically located on the same campus, making transitions smoother and less disruptive.
While moving to a community often means downsizing in space, it also means gaining a professional team to manage home maintenance, daily services, and future care—relieving both residents and families of significant responsibility.
Modifying a home can range from a few hundred dollars for grab bars to tens of thousands for major renovations. While these updates may help you stay in your home longer, the costs can add up over time—especially as needs increase.
One frequently overlooked factor is resale value. Modifications that are essential for you may not appeal to future buyers. Ramps, handrails, and customized layouts can limit buyer interest or result in lower offers, as buyers often see them as expenses they’ll need to undo.
On the other hand, moving to a CCRC also involves financial considerations. Many communities require an entrance fee, which can be comparable to the value of a home. However, a significant portion of that fee is typically refundable. Many residents use the proceeds from selling their home to cover this one-time cost.
Monthly fees are also part of community living and may feel like an adjustment after years of homeownership. These fees usually cover home maintenance, housekeeping, some meals, transportation, amenities, and enriching programs—while eliminating property taxes, homeowners insurance, and HOA dues. For many, the convenience and peace of mind far outweigh the expense.
Additionally, selling a home before extensive modifications are needed may result in a stronger market value.
Where you live has a direct impact on your overall health and longevity.
Research consistently shows that seniors who are socially engaged, physically active, intellectually stimulated, emotionally supported, and spiritually fulfilled tend to live longer, happier lives. Aging in place can sometimes lead to isolation—especially when driving becomes difficult or mobility changes limit social interaction.
Seniors living alone often experience fewer daily connections and fewer opportunities to stay active and engaged. If you choose to remain at home, it’s important to intentionally monitor and support your wellness in these areas to help prevent physical or cognitive decline.
In contrast, senior living communities offer built-in opportunities for connection and engagement. With access to fitness classes, nutritious meals, social clubs, educational opportunities, and faith-based groups, residents are supported in maintaining a full, balanced lifestyle—often just steps from their front door.
There’s no one-size-fits-all answer. But by honestly considering your future needs, the true costs involved, and your overall wellness, you can make a decision that supports not just where you live—but how you live.
And that’s what matters most.
