Assisted living is basically your “home away from home” without the dire need for 24-hour medical assistance, unlike most nursing homes. Before packing your bags, updating your friends and family, or even planning what would be in your best interest when it comes to assisted living, you might want to consider what happens to the current roof above your head. Is placing your home on the market a good option for you or would renting out your home be much more of a benefit? The good news is that either of these options can definitely help you out when it comes to your financial well-being and we’re here to educate you on the hows and whys before settling in a new property.

Selling your home

 Moving to a new home may not bode well with others especially since you’re going to be in a new environment sacrificing the good old years you’ve been used to. Staying in an assisted facility isn’t an exception either. The costs alone that you’d need to consider and the overall adjustments you have to make will always be a thing once you move in. Why then would you want to place your home on the market?

If you have equity in your home, selling it is a great way to add more to your retirement savings and be better prepared for future costs brought upon by assisted living. As of 2018, the average cost was $4,000 per month, roughly $48,000 annually. With that in mind, the thought of letting go of your home and placing it on the market is a viable option. The question is, would selling your home be enough to cover everything?

There are several factors to determine how much your home would be such as how long you owned and lived in the property before the sale. If you stayed in your home for at least two of the five years before the sale, up to $250,000 of the profit would be tax-free. If you are married and file a joint return, you’re tax-free up to $500,000. To get a ballpark estimate of how much you can expect to profit when you put your home on the market, you can look at the most recent price trends for homes in your local area. For example, Livonia homes have sold for an average of $213,000 over the past month.

You might be thinking that you’ve tagged a low price for your home. That’s a common fear and a mistake that most sellers do so everything goes haywire. Placing the price of your home at a lower value, i.e. a priced under the competition gives you the opportunity to have multiple offers which can result in driving up the price to market value. You want the price of your home to gradually go up rather than pricing it at an amount that seems overpriced and, in time, goes down due to lack of potential buyers.

Another major consideration when selling your house is the time involved. According to Compare My Move, the total time it takes to sell a home is four to seven months. However, certain factors when selling your home include the condition of the property and the area that it’s located in can cause some delay.

Renting It Out

 When entering into an assisted living facility, many overlook the option of renting out their home. This might be a more viable option for those not ready to let go of the house they grew up in. While being a landlord can be a headache depending on your tenant, it doesn’t have to be that way if you’re armed with the right help in the form of a property management service. But what exactly do they do and why would you consider one?

Property management services basically deal directly with prospects and your eventual tenants, saving your time and effort over how much you will be charging for rent, how you will collect rent, maintenance, and even evicting tenants. Many of these services can drive away any headaches you otherwise might have had to face as a landlord.

The cost of hiring a property management company will be around 10% of the rent you charge. Some property managers charge extra to find renters, while others will charge you even when your home is vacant. Enlisting the help of these services poses little to no danger since you might not want to delve on the technical side of landlording and focus on yourself, hence the move to an assisted living facility. Some of the best providers include ProWayPM which have been in the business for quite a long time now.

Another option for you

 It’s a bad idea to simply leave your property vacant, so you could consider letting a family member or friend move in once you have entered into an assisted living facility. This option allows for your house to be cared for while leaving the door open for you to visit in the future. It could also help ease the emotional process of moving out of your home.

That said, this option comes with one glaring drawback: It doesn’t help you financially. While selling or renting your home will add to your bank account, letting a family member or friend look after your home won’t give you anything back financially.

On the other hand, while you won’t make money, this option allows you to pass down your home to your heirs with the least amount of red tape. Conversely, if you sell your family home, it’s gone for good. Renting would keep the home in the family; however, it could make the transition less straightforward.

Homeowners who enter assisted living have a few really good options when it comes to what they could do with their property. If you need added financial flexibility, your home could be the key to reinforcing your retirement savings.

Rhonda Underhill

1,225 comments on “Moving into Assisted Living: Should You Sell or Rent Your Existing Home?

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  42. Tadalafil is created by the international pharmaceutical company Eli Lilly and Company situated in Indianapolis that performs clinical study in over FIFTY countries and has factory in 13 countries. This drug offers everyone taking it with approximately 36 hrs of performance. Tadalafil (Cialis) is a phosphodiesterase inhibitor recommended for clients unable to accomplish and keep an erection for long enough to make love. It’s not an excellent suggestion to combine tadalafil tablets 10mg in india regarding various other medications without your medical professional’s approval. They do not have to be stated as they are considered moderate. This adverse effects nevertheless can be helped in by the reality you are utilizing this anti-impotence medicine.

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