A solid retirement plan doesn’t just consider your savings—it looks at your future income, your lifestyle, and the assets that support both. For many Americans, real estate plays a major role in that picture. In fact, more than 60% of Americans are homeowners, and many retirees consider real estate investing as part of their long-term financial strategy. Whether you’re thinking of downsizing, purchasing a rental property, or using your home equity as a financial tool, real estate investing for retirement can offer a path to income, flexibility, and wealth building.

But as with any financial decision, real estate investing for retirement isn’t one-size-fits-all. Before buying or selling, it’s important to understand the full picture. Here’s what to consider as you evaluate how real estate fits into your retirement goals.

Downsizing Doesn’t Always Mean Saving

Many retirees assume that moving to a smaller home will automatically save money. But the reality? Downsizing can come with unexpected costs.

From prepping your current home for sale to covering moving expenses, paying new HOA fees, or navigating higher costs in competitive markets, “smaller” isn’t always cheaper. And beyond the financial aspect, downsizing can bring emotional and lifestyle changes that may not feel as “light” as expected.

Takeaway: Carefully evaluate all costs associated with selling and relocating before making your move.

Real Estate Income Comes with Responsibilities

Rental properties can offer ongoing income during retirement—but they also come with hands-on work. From maintenance and repairs to tenant management and legal responsibilities, being a landlord can quickly become a second job.

If you’re not prepared to handle those demands, you’ll need to factor in the cost of hiring a property management company.

Ask yourself: Do I want more freedom in retirement—or more obligations?

Market Conditions Matter

Real estate investing for retirement is highly influenced by timing. Inventory levels, interest rates, and demand all play a role in whether it’s a good time to buy, sell, or hold.

In a low-inventory market, you may sell your home quickly at a premium, but also face difficulty finding a suitable replacement property. Rising interest rates can increase borrowing costs or reduce buyer demand.

Tip: Stay informed about both national and local market trends. A smart move made at the right time can pay off significantly.

Choose the Right Partners and Resources

If you’re planning to buy or sell, surrounding yourself with the right support is key. Work with professionals who have a proven track record, understand your local market, and can provide valuable insights into pricing, negotiation, and strategic timing.

Also, be aware that some resources—like private listing networks (PLNs)—are not available to the general public. These tools can give sellers early access to buyers and help navigate the process more efficiently.

Advice: Do your research. Read reviews. And make sure any advisor or agent you work with aligns with your financial goals and values.

How PrairieView Helps You Build a Real Estate Strategy

At PrairieView Wealth and Tax Advisors, we take a comprehensive view of your financial life—including how real estate fits into your long-term plan.

Whether you’re looking to generate income, relocate, or simply better understand your options, we help you:

• Evaluate the tax implications of real estate transactions
• Assess whether rental income supports your overall retirement goals
• Navigate estate and legacy planning around property assets
• Balance your real estate holdings with your broader investment portfolio

We focus on helping you make confident decisions, so real estate becomes a tool for freedom, not stress.

Final Thoughts: Real Estate Investing with Intention

Real estate can play a meaningful role in your retirement plan—but only when approached with clarity, purpose, and the right strategy. Before jumping into buying or selling, take the time to evaluate your long-term goals, consider the current market, and get support where you need it.

Let’s build a retirement strategy that reflects your goals—and your lifestyle!