Selling Your Home When You're Ready to Retire
Getting ready to retire? Plan the sale of your home around your retirement date and your next chapter.
Retirement changes what your home needs to do
When you're getting ready to retire, your home can look different. It may be more house than you need. It may be tied to a commute you won't make anymore. It may hold equity you want working for your next chapter. Or you may want to be somewhere else.
I'm Omega Mejia, a real estate agent in Frisco, Texas. I help you decide whether to sell, when to sell and how to line the sale up with your retirement date.
Questions to settle first
- Where do you want to live next? The same area, closer to family, a smaller town or another state?
- What do you want from the sale? A simpler life, less upkeep or a clear picture of what you'd walk away with?
- When do you want to be moved? Before your last day of work, right after, or later?
- Do you sell first, or find the next place first? See how selling first works, or how buying first works.
How I plan the sale around your date
We start with your retirement timeline and work backward. I show you a Plan A, B and C for pricing, with the recent sales behind each one, and I tell you what I'd do. We decide what the home needs before it lists and what's worth leaving alone. See how I price a home and how I prepare it to sell.
Every listing gets professional photos, a walkthrough video, its own website, an open house the first weekend and paid ads, and you hear from me every week.
If you're moving after you retire
Many people retire and move somewhere new. If you're leaving Texas, I sell your home here and connect you with a trusted agent where you're going. See how I plan a move out of state. If the move is about being near family, in with family or into senior living, see my page on senior moves. If you'd like a smaller home, see my page on downsizing.
Your financial planner and tax advisor are part of the team
How a sale fits your retirement income and your taxes is a question for your financial planner and tax advisor, not for me. I'm glad to work alongside them and give them the numbers they need from the sale.
Start with what your home is worth
Get a free home value, then tell me about your retirement plans. There's no pressure to list, and you decide the pace.
This page describes my general approach. It isn't legal, tax, financial or retirement advice.
Frequently Asked Questions
When should I sell my house if I'm getting ready to retire?
It depends on your retirement date, where you want to live next and what you want from the sale. We start with your timeline and your numbers, and I help you choose the order. Questions about retirement income and taxes belong with your financial planner and tax advisor.
Do I have to move out of Collin County when I retire?
No. Some people stay, some move closer to family and some leave the state. I plan the sale around the choice you make, and I connect you with a trusted agent where you're going if you leave.
Can I sell before I retire and rent or buy later?
Some people do. The right order depends on your numbers and your dates. We compare selling first, buying first and lining them up, and you decide.
Can I find out what my home is worth before I decide?
Yes. I build a free home value from the closest recent sales and your home's condition, so you can decide with a real number in front of you.
Hi, I'm Omega Mejia.
I help people across Collin County make their next move with confidence. Got a question, or a house you're curious about? I'd love to hear about it.
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Ready to make your move with Omega Mejia?