More Women Are Buying Homes Than Ever Before — But Can They Keep Them Through Retirement?

by Ernest Van Glahn

Women are making waves in the real estate market, outpacing men as solo homebuyers and redefining what homeownership looks like. This shift is empowering, but it also comes with unique long-term considerations. With longer life expectancies and evolving financial landscapes, planning for sustainable homeownership is more critical than ever.

Why This Matters

For many women, buying a home is a powerful step toward financial independence. But as life progresses, maintaining that investment through retirement can present challenges. Let’s break down the key factors.

Longevity & Rising Costs: Women statistically live longer than men, which can mean more years of mortgage payments, ongoing maintenance, and rising property taxes.
Retirement Savings Gap: Studies show that women, on average, retire with less savings than men. However, home equity can serve as a valuable asset, potentially bridging financial gaps in later years.
Housing Stability in Later Years: Owning a home offers security, but future-proofing that home — whether through strategic renovations, downsizing, or accessibility upgrades — can be essential for long-term comfort.

Smart Moves for Lasting Homeownership

The good news? Thoughtful planning and proactive decisions can help ensure that homeownership remains a lasting asset.

🏠 Choose a Sustainable Mortgage: Stick to the 28% income rule, ensuring your monthly housing costs stay within 28% of your gross income. This helps prevent financial strain and allows for future flexibility.
🔧 Build Equity Strategically: Consider home improvements that not only enhance your living experience but also increase your property’s resale value. Kitchens, bathrooms, and energy-efficient upgrades are often smart investments.
💼 Explore Retirement Tools: When the time comes, options like reverse mortgages, home equity loans, or downsizing to a smaller, more manageable property can free up cash and make life more financially comfortable.

Empowering Homeownership for Life

Owning a home is more than just a financial investment — it’s a symbol of independence, stability, and personal achievement. By planning ahead, women can turn their homes into lifelong assets that support their retirement dreams.

If you're ready to invest in your future and create a homeownership plan that lasts, let’s connect and explore your options. Your future home — and financial security — are worth it. 💌