{"id":63100,"date":"2026-05-22T03:00:19","date_gmt":"2026-05-22T01:00:19","guid":{"rendered":"https:\/\/housesmarketplace.com\/as-retirement-costs-surge-more-homeowners-turn-to-their-equity\/"},"modified":"2026-05-22T03:00:19","modified_gmt":"2026-05-22T01:00:19","slug":"as-retirement-costs-surge-more-homeowners-turn-to-their-equity","status":"publish","type":"post","link":"https:\/\/housesmarketplace.com\/ru\/as-retirement-costs-surge-more-homeowners-turn-to-their-equity\/","title":{"rendered":"As retirement costs surge, more homeowners turn to their equity"},"content":{"rendered":"
\n

Americans may need roughly $2.57 million to retire comfortably by 2043, up sharply from the $1.75 million projected for 2033, according to a 2025 \u0413\u043e\u043b\u0434\u043c\u0430\u043d \u0421\u0430\u043a\u0441<\/strong> retirement survey.<\/p>\n

The increase reflects years of \u0438\u043d\u0444\u043b\u044f\u0446\u0438\u044f<\/a> that have driven up the costs of housing, \u0437\u0434\u0440\u0430\u0432\u043e\u043e\u0445\u0440\u0430\u043d\u0435\u043d\u0438\u0435<\/a> and daily expenses. Households headed by someone 65 or older now spend about $122,000 annually, compared with roughly $60,000 in 2000, the survey explained.<\/p>\n

Financial experts told \u0420\u0438\u044d\u043b\u0442\u043e\u0440.com<\/a><\/strong> that home equity can help supplement retirement income through tools such as reverse mortgages and home equity investments<\/a>, but they caution against relying on it as a primary strategy.<\/p>\n

\u201cThe $2.57 million number from Goldman Sachs isn\u2019t meant to be paralyzing,\u201d said Alex Langan, chief investment officer of Langan Financial Group<\/strong>. \u201cIt\u2019s meant to be a wake-up call. The gap between what most people are saving and what retirement actually costs is real and it\u2019s widening. Your home is a meaningful part of the answer for a lot of people. It just can\u2019t be the only answer.\u201d<\/p>\n

Why home equity alone may not be enough<\/h2>\n

Many retirees are \u201chouse rich, cash poor,\u201d meaning that they own homes with significant value while lacking dependable income or liquid \u0441\u0431\u0435\u0440\u0435\u0436\u0435\u043d\u0438\u044f<\/a>, Realtor.com explained.<\/p>\n

\u201cUnfortunately, this is common among people over 65. On paper, they have significant equity in their homes, but not enough liquid savings or dependable income to comfortably support their retirement,\u201d said Pam Krueger, founder and CEO of Wealthramp<\/strong> in San Francisco.<\/p>\n

Experts say rising property taxes, insurance premiums and maintenance costs can strain retirees, even if their homes are fully paid off.<\/p>\n

Langan said many clients incorrectly assume<\/a> their homes alone can fund retirement.<\/p>\n

\u201cYou can\u2019t pay your property tax bill with home equity,\u201d he said. \u201cYou can\u2019t cover a medical expense with it. You can\u2019t use it to get through a rough patch without doing something specific to access it. And every way to access it has strings attached.\u201d<\/p>\n

\u0421\u043e\u043a\u0440\u0430\u0449\u0435\u043d\u0438\u0435 \u0448\u0442\u0430\u0442\u0430<\/a> may not always solve the problem either because housing costs and transaction expenses can reduce expected savings, experts added.<\/p>\n

Reverse mortgages and other equity options<\/h2>\n

\u041e\u0431\u0440\u0430\u0442\u043d\u0430\u044f \u0438\u043f\u043e\u0442\u0435\u043a\u0430<\/a> are attracting renewed interest from older homeowners seeking additional income without monthly loan payments, according to the report. <\/p>\n

Some retirees are also exploring home equity investments, which provide cash in exchange for a share of a home\u2019s future value.<\/p>\n

\u201cClosing costs [for reverse mortgages] can be higher than those with traditional mortgages, and there are origination fees, loan servicing fees, interest, monthly mortgage insurance premiums and an upfront mortgage insurance premium,\u201d Michael Micheletti, chief communications officer at Unlock Technologies<\/a><\/strong>, told Realtor.com.<\/p>\n

\u201cIt\u2019s gaining interest among retirees because of the different qualification criteria and the fact that there are no monthly payments,\u201d Micheletti said.<\/p>\n

Financial planners<\/a> say home equity should support, but not replace, broader retirement planning strategies that include timely \u0421\u043e\u0446\u0438\u0430\u043b\u044c\u043d\u043e\u0435 \u043e\u0431\u0435\u0441\u043f\u0435\u0447\u0435\u043d\u0438\u0435<\/a> distributions, investment diversification and liquid savings.<\/p>\n

This article was written by Jonathan Delozier and generated with the assistance of HousingWire Automation. It was reviewed by a HousingWire editor before publication. The system helps convert company announcements and industry data into HousingWire-style news coverage.<\/em><\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

Americans may need roughly $2.57 million to retire comfortably by 2043, up sharply from the $1.75 million projected for 2033, according to a 2025 Goldman Sachs retirement survey. The increase reflects years of inflation that have driven up the costs of housing, health care and daily expenses. Households headed by someone 65 or older now […]<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-63100","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"\nAs retirement costs surge, more homeowners turn to their equity - Houses Marketplace<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/housesmarketplace.com\/ru\/as-retirement-costs-surge-more-homeowners-turn-to-their-equity\/\" \/>\n<meta property=\"og:locale\" content=\"ru_RU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"As retirement costs surge, more homeowners turn to their equity\" \/>\n<meta property=\"og:description\" content=\"Americans may need roughly $2.57 million to retire comfortably by 2043, up sharply from the $1.75 million projected for 2033, according to a 2025 Goldman Sachs retirement survey. 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