Insight for Action #5

Housing Access & Suitability

Older Adults' Needs

To retain their agency, older adults need stable and accessible housing that they can afford, maintain, and physically navigate.

Insight for Action

Undesired or unanticipated disruptions in older adults' housing situations, along with the absence of suitable housing options, can leave them without safe and healthy places to live.

Policy Perspectives

The median household income of older Americans is just over $50,000 in 20241; this population is not exempt from affordability challenges facing every American attempting to secure housing. Lack of affordable housing for some older adults can be mitigated by vouchers and subsidized development. However, such assistance is limited, as are systems to track and triage risk of recurring housing insecurity and homelessness. Additionally, existing housing policy often does not adequately design for social or accessibility needs. Where there are efforts to integrate health and social services, housing providers lack expertise and resources to ensure the effectiveness and sustainability of these programs.

America’s growing housing demand—and the longstanding priority for helping older adults age in place—calls for public and market-driven financing for varying housing types (e.g., single-family homes, condos/co-ops, accessory dwelling units). New housing should be integrated in communities and offer easy access to health and social supports for populations of all ages. In addition, policies and programs are needed to facilitate modifications to the existing housing supply, from property tax exemptions to weatherization and accessibility improvements.




1. Guzman, Gloria, and Melissa Kollar. “Income in the United States: 2022.” United States Census Bureau, September 12, 2023. https://www.census.gov/library/publications/2023/demo/p60-279.html.

Hear from Older Adults

The playlist below compiles videos of older adults and other participants talking about this insight.

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Theme #1

Many people desire to age in place.

Theme #2

Many people struggle with the challenges of staying in their homes.

Theme #3

Older adults lack housing options that meet their physical, social, and financial needs.

Theme #4

Government programs meant to support housing affordability can be stressful and onerous to access.

Theme #5

When older adults find themselves in unsuitable housing, they feel stuck.

Theme #6

For many, a nursing home is the worst case scenario.

Theme #7

What helps?

"Kwan" #06

Older Adult
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"We moved [to Staten Island] 19 years ago and moved back [to Brooklyn] three years ago, so it should be about 23 years ago... I actually like Staten Island, but my wife didn't. Because I have been working with Westerners for 20 years, I can handle basic English. Plus, I can drive. But my wife's English level is lower, and it's difficult for her to find the roads in Staten Island because they're all in English, not just a number like Brooklyn streets. So she's afraid of getting lost. Plus, the buses were very sparse, and some routes didn't run during the weekends. One time, she missed a station when it snowed, and it took her 3 hours to get back home from Brooklyn. So, she felt the need to move out for her retirement life. That's why we moved from Staten Island to Brooklyn. Staten Island is a very nice place. The doors are unlocked at night. When we moved there and bought those townhouses, there was no problem, even if you didn't lock the door. The difference between good and bad areas was straightforward once you saw them. There was no single house that installed iron windows. It was utterly nonexistent. But in Brooklyn, you will feel that living here is not as comfortable. But the only thing here is that it's convenient to eat food, buy things, see doctors, everything is convenient. I mean, once you reach your later years, what do you seek the most? We have now taken a step back in favor of convenience. So we moved out again."

Daily Life: Transportation; Housing and Home: Household Members, Housing Experience; Personal Story and Identity: Language;

"Yvonne" #03

Older Adult
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"I mean, I have a lot of support from my children. And, you know, they look out for me. I don't really have to have too much want for anything. But, if I didn't have their support, it would be really hard. Because I didn't know as many people needed help from their family members until I came out here to Texas. Because when I was in Chicago, it's like, even the older people, everybody stayed by themselves or with their family members if that's what they wanted to do... And everybody was more self-sufficient. But out here, it's a lot of people that need to stay with their children. Not the children staying with them, but the parents staying with their children. Because it's like, with the prices going so high and rent and stuff, they can't make it by themselves. So, they're pretty much forced to go stay with their children. Because a lot of them can't find housing.... I've met people where they will try and rent out rooms to other people, but you know, they'd be scared to because if they rent it to people, they didn't know, then that could be harmful or dangerous. So, they always tried to rent to people, like, from the centers that they would go to, if they did, or through somebody else that might know somebody.... [I] wouldn't be comfortable with doing something like that. So, I figured myself to be lucky."

Daily Life: Family Relationships; Finances: Financial Status, Non-Medical Costs and Bills; Housing and Home: Geography, Household Members, Housing Experience;

What Subject-Matter Experts Say

S. Orlene Grant #11

Subject-Matter Expert
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"The Elder Index was developed in terms of having a more realistic picture of what it takes to age in place.... Aging in place is a nice slogan, but nobody really knows what it means. So, the aging index is adjusted throughout the year on inflation, current rate of depreciation of homes, how chronic illnesses are going, those kinds of things. And you can just bring it up on the website, the aging index, and then put in your zip code, and then it will tell you if you're this age, 65 to 72, you own your home, you're in good health, this is how much it's going to take for you to live... comfortably in your home.... If you're in your home, you still own a mortgage, you have chronic diseases, it's going to cost you 15,000 more to live in that home than if you were in good health and you didn't have a mortgage. So you can see the difference in stress level[s]. It's not based on the federal poverty level, which nobody can understand.... Politicians, I believe, don't even know what that is. But it sounds good because everybody's used to [the] poverty level that was built in the 1960s. We are now going into 2024 and that has never been updated. So when you look at current levels of the cost of living, and how expensive it is to buy eggs these days, you have to look at how much more it costs just to stay where you are versus continuing to live at another higher level than you had before. So this gives a realistic viewpoint to people."

Finances: Financial Preparedness; Policymaking and Innovation: Policymaking and System Improvement Opportunities;

S. Orlene Grant #12

Subject-Matter Expert
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"I think we are not preparing the population for the eventual, where do you go? When you need to move from the house you've been in for 20, 30 years. Or, acknowledging maybe that's not a good idea that you're staying in the 30 year old house and it's beginning to fall down around you.... It's really, looking at financial literacy. It's looking at, do we prepare people for retirement early in the game? If you wait till you're 70, it's a little too late, but in your 20s, are we really educating people?... You will be there in [the] blink of an eye. And so you need to start preparing for it now. You need to have these papers in place.... And to be realistic whether or not you're going to be able to maintain a 5,000, 6,000 square foot house when only one person is living there and... on social security. That's probably the biggest heartache that I see. Especially with older... African American women who have the highest poverty rate in the Washington, Maryland, Northern Virginia area.... There is a lack of preparation for eventually living on your own without your spouse. These women mostly have not worked because they've been caretakers. Or they were not permitted to work at that age by their husbands or whatever. But they don't have a huge social security and not a huge savings at that point. And they are left. Some have become homeless that we've talked to. Some have been evicted from their apartments because they couldn't afford it. So this is a real issue."

Finances: Financial Preparedness, Fraud and Financial Literacy; Housing and Home: Changing Home Needs; Policymaking and Innovation: Policymaking and System Improvement Challenges;
Insight for Action #1

Aspirations for Older Age

Americans need to prepare for older age starting earlier in life to feel secure as older adults. As older adults, they need a feeling of social value to believe in their own agency as well as a sense of purpose to prosper.
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Insight for Action #2

Social Connection

To feel and be less isolated, older adults need both personal relationships and access to groups or programs at community sites that affirm their values.

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Insight for Action #3

Caregiver Support

Older adults and their caregivers—whether family members or professionals—need recognition, support, and training regarding receiving and providing care.

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Insight for Action #4

Transportation Access

Older adults need access to easy, reliable, affordable transportation to retain the mobility that enables independent adulthood.

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Insight for Action #5

Housing Access & Suitability

To retain their agency, older adults need stable and accessible housing that they can afford, maintain, and physically navigate.

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Insight for Action #6

Finances for Basic Needs

Older adults receiving income under 400% of the federal poverty line (approximately $60,000 a year for individuals and just over $80,000 for couples in 2024) need assistance covering essential needs to survive on a fixed income without sacrificing their health or well-being.

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Insight for Action #7

Comprehensive & Seamless Healthcare Coverage

Older adults need affordable healthcare coverage and benefits that support their whole health and well-being.

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Insight for Action #8

Navigation of Healthcare Benefits & Coverage

To make better coverage decisions, older adults need benefits eligibility, access, and coverage to be more straightforward.

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Insight for Action #9

Mental Health Services

Older adults need approachable and accessible support for their mental health, to work through new or longstanding clinical conditions.

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Insight for Action #10

Trust in Clinicians

To have trust in their healthcare, older adults need clinicians who take time, communicate clearly, relate to them personally, and respect their autonomy.

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