Retire & Reimagine April 30, 2025

Are You a Senior at 50? What It Means for Downsizing or Relocating for Retirement

Are you over 50 and starting to ask yourself, “Do we really need all this space?” Is now the right time to sell your home? Should you move closer to your kids or maybe to a place where winter doesn’t last half the year? If so, you’re not alone—and this message is for you.

So, who is considered a senior? That actually depends on who you ask. From a real estate and lifestyle perspective, we usually start hearing the term “senior” around age 50 or 55—not because we’re old, but because that’s when people often become eligible for certain programs, communities, and benefits. For instance, AARP membership starts at age 50, 55+ communities begin welcoming residents at—you guessed it—age 55, and property tax relief or senior tax exemptions can begin as early as 60 or 65, depending on where you live. But being labeled a senior doesn’t mean slowing down. It means you’ve earned the right to choose how you want to live. And for many people over 50, that’s when their real estate goals start to shift. They’re looking for quality of life—less stuff, more experiences, lower maintenance, and more time to create memories.

 

How do you know if it’s time to consider downsizing or relocating? Here are some signs I hear from clients all the time: “We don’t use half the rooms in this house like we used to.” “Keeping up with the yard work has gotten so much harder.” “We’d love to travel, but this house keeps us tied down.” “Our grandkids live out of state and we really miss them.” Sound familiar? Sometimes it’s about easing the physical demands of your home, and sometimes it’s financial. Maybe your house is worth significantly more than when you bought it, and you’d rather use that equity for something that brings you joy. And sometimes it’s simply about choosing the lifestyle you’ve worked toward for decades.

Let’s talk about options—this is where it gets fun. Option number one is downsizing. This means staying in your current area but moving into a home that better suits your needs today. In Connecticut, there are great choices: ranch-style homes with main-level living, townhouses with HOA-maintained lawns and snow removal, or 55+ communities with clubhouses, pools, and fitness centers—without all the upkeep. Downsizing is a great choice if you want to stay close to your doctors, friends, or favorite coffee shop, but want something easier to manage.

Option number two is relocating. This is for those ready for a full reset. Maybe you’re tired of long winters or high taxes. Maybe you want to be closer to your kids or grandkids, or are seeking a warmer climate—hello Carolinas, Florida, and Arizona! Maybe you’re eyeing a state that’s more retirement-friendly from a tax or cost-of-living perspective. And here’s a helpful tip: relocation doesn’t have to be permanent. My parents rented a home in Florida for a year to “try on” the lifestyle. It turned out not to be for them, and they moved back north—but they felt great about giving it a shot without a long-term commitment.

Here’s something many people don’t realize: you don’t have to wait until you retire to start making these changes. In fact, starting the conversation earlier gives you more control and better options. You can sell while the market is strong. You can move on your own terms rather than being rushed by health issues or family emergencies. This isn’t just a real estate decision—you’re designing the next stage of your life. That’s something to get excited about, not dread. I’ve walked this road with countless clients, and those who plan ahead always feel the most at peace with their decisions.

Whether you’re just starting to think about selling or you’re ready to list today, I’m here to help you explore what’s possible. Together, we’ll talk about the current value of your home in today’s market, how to prep your home for sale with minimal stress, whether buying, renting, or relocating makes the most sense for you, and how to make this process feel empowering, not overwhelming. I offer more than real estate expertise—I offer emotional support and a network of local resources to guide you every step of the way.

Both options—downsizing and relocating—have pros and cons. My job is to help you weigh those based on your goals, budget, and timeline. And here’s something I want you to remember: you are not alone, and it’s never too early to start planning. I talk to people in their 50s who think they have to wait until 65 to start planning for retirement, but beginning now gives you more freedom and choices. It’s okay to say, “This house is more than we need.” It’s okay to want a simpler life. And it’s absolutely okay to finally prioritize you after years of taking care of everyone else.

If you’ve been thinking about selling, downsizing, or relocating—or if you’re just curious about what that might look like—I’d love to have a conversation. No pressure, no sales pitch, just a friendly chat about your options and how I can help you move confidently toward your next chapter.