Aging in place used to mean staying in the same home for as long as possible. Even when the house no longer fits your needs or budget. Maybe making a few renovations to improve mobility, like adding grab bars, swapping a tub for a walk-in shower, or replacing carpet with hard flooring.
In the end, many people are left with a home that is simply too big for how they live now. Larger homes often come with higher taxes, insurance, and utility bills. Repairs add up, especially as homes age. When fewer people live there, the costs stay high even as income often shrinks.
For years, the main alternatives were condos or townhomes. Of course, you could move in with family or even a close friend but sometimes, we just need our own space. Now, there are more options on the table, and more people are rethinking what aging in place really means.
It is about staying independent, comfortable, connected, and financially stable in a place that fits your needs in this season and future seasons.
That shift is why newer housing options keep showing up in retirement conversations.
Exploring These Options in Real Life
In 2026, I plan to explore several of these aging in place options more closely in my monthly articles here on Sixty and Me.
These articles won’t be focused on offering you home renovations to make life easier or options like assisted living, although those are equally important. The articles I have planned will help you learn and explore some alternative options to age in place. Perhaps some that may be completely new to you.
My goal is not to promote one solution over another.
It is to understand how these choices actually work for people living in them, especially those navigating retirement on a limited budget or living alone.
Why Aging in Place Is Being Reconsidered
Many people today are retiring earlier and living longer. At the same time, more adults are living alone or as empty nesters. That combination changes how housing feels. Homes that once made sense can become harder to afford and harder to maintain on a fixed or limited income.
Any extra money often goes toward the basics instead of enjoyment. Things like rising insurance costs, yard upkeep, and everyday expenses slowly whittle away at our bank balance. As a result, many people are asking a different question: What kind of home actually supports the life I have now?
For many, this question comes with frustration and confusion. The house may be paid off or nearly paid off, yet it still feels expensive to maintain. Money goes out every month, but the home does not feel easier to live in or more enjoyable.
There can be a sense of being stuck. The house is familiar, but it no longer brings comfort. Downsizing feels overwhelming, and staying put feels just as hard. Either choice can feel like a loss.
The Problem with Too Much House
Large homes often come with hidden costs. Unused rooms still need cleaning. Extra space still needs heating and cooling. Maintenance does not shrink just because fewer people live there.
For many, the house begins to feel less like a comfort and more like a full-time job. This is especially true for those living alone. When most of daily life happens in just a few rooms, the rest of the house can feel unnecessary and draining.
A New Definition of Aging in Place
Aging in place is no longer a single path.
Today, it is about choosing a living setup that allows people to stay independent while adjusting to changing needs. It means having options that provide privacy, support, and flexibility.
When the traditional choices no longer fit, people start looking elsewhere. People are tired of trying to fit their lives into someone else’s options.
This is where newer housing choices come into the conversation.
Housing Options More People Are Exploring
Rather than one solution, people are choosing from several paths depending on family, finances, and health. Each comes with its own pros and cons.
Accessory Dwelling Units
An accessory dwelling unit, often called an ADU, is a small home built on the same property as a larger house.
These are often built in the backyard of an adult child or other relative.
ADUs allow parents to live close to family without sharing daily space. They offer privacy, independence, and the comfort of knowing help is nearby if needed.
This is what many people refer to as a granny flat and is often part of a multi-generational home.
Co-Living
Co living arrangements allow individuals to share a home while maintaining private bedrooms or living areas.
Think of the Golden Girls. They were in a co-living setup. Costs are shared, and so is daily connection. For some, this reduces isolation and makes housing more affordable without sacrificing independence.
Tiny Homes
Tiny homes are smaller, purpose built houses designed for simpler living. They typically have lower monthly costs and require less upkeep. For people living alone, tiny homes often feel easier to manage and more aligned with daily routines.
Tiny Home Communities
Tiny home communities combine private living spaces with shared outdoor areas or amenities. These communities are designed to encourage connection while still offering personal space.
For many, this setup provides a balance of independence and community support. There are even some all-female communities available.
Why These Options Matter Later in Life
What connects all of these choices is flexibility. They allow people to reduce financial pressure, simplify daily routines and make it easier to live near family or supportive communities.
Most importantly, they give people more control over how and where they age.
There Is No One Right Choice
Aging in place looks different for everyone. What works for one person may not work for another. Needs can change over time, and that is normal.
The goal is not to find a perfect solution. It is to understand the options and choose what feels right for this season of life.
Taking the Next Step
Learning about these housing choices does not require making a decision right away. Exploring options, asking questions, and understanding how others are approaching aging in place can help make future choices feel less overwhelming.
Today, aging in place is about more than staying in one house. It is about choosing a life that still feels manageable and your own.
Let’s Have a Conversation:
What part of your home feels supportive right now, and what part feels like it no longer fits this season of life? If you were to rethink aging in place today, what would matter most to you? Cost, independence, being near family, or something else? Which aging in place options have peaked your curiosity?
