Hudson River Realtors Referral Network — Connecting Humans with Humans.
Your family home may be your biggest retirement asset. Here's how to turn decades of equity into the retirement you've earned.
For many retirees, home equity represents 30-60% of their net worth. Selling and right-sizing can free up capital for retirement income, reduce monthly expenses, and eliminate maintenance burdens.
The capital gains exclusion ($250K single / $500K married) may eliminate most or all of your tax liability on the sale. Timing the sale relative to your retirement date can also impact your tax bracket.
It depends on your income timeline. Selling while still working may keep you in a higher bracket. We connect you with a financial planner to optimize timing.
If you've lived in the home as your primary residence for at least 2 of the last 5 years, you can exclude up to $250K (single) or $500K (married filing jointly) in capital gains from federal taxes.
Each option has different financial and lifestyle implications. We model the numbers for all three scenarios so you can compare equity release, monthly costs, and long-term sustainability.
There are excellent options in every price range — from condos in Beacon to ranch homes in Fishkill to 55+ communities in Dutchess and Putnam counties. We match your lifestyle needs to specific options.
Absolutely. For many retirees, home equity is their largest asset. Selling, investing the proceeds, and moving to a lower-cost situation can generate meaningful retirement income.
New York's STAR program reduces property taxes for homeowners. Enhanced STAR provides a larger reduction for owners 65+ with income at or below the current threshold. If you're staying in the area, make sure your new home qualifies.
Start with decluttering — years of accumulated belongings can overwhelm buyers. Focus on neutralizing the space, freshening paint, and handling deferred maintenance. We provide a room-by-room checklist.
Get a home equity projection and see how your largest asset can fund your next chapter.
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