Aging in Place · 7 min read

Aging in Place Is the Norm in Arizona, Not the Exception

By David Rider, CRMP · Published July 2026

There's a persistent myth that most seniors eventually sell and move into some kind of facility. The data, and what I see every week in the Valley, tells a different story. According to Harvard's Joint Center for Housing Studies, the homeownership rate among Americans 65 and older is 78.6%, one of the highest of any age group in the country. Homeowners 55 to 64 aren't far behind at 75.9%. In plain terms: most people stay put. Moving is the exception.

Why Arizona is a especially strong example of this

Arizona draws people specifically to retire into a home they intend to stay in, the climate, the single-level ranch housing stock common in Sun City and PebbleCreek, and the active-adult community infrastructure all make "aging in place" more achievable here than in a lot of the country. If you're planning to stay in your Mesa or Scottsdale home, and most Arizona retirees are, the real question isn't "should I sell?" It's "what do I need to make staying here work for the next 10, 15, or 20 years?"

Planning for the Arizona home you're already in

That might mean modifications like a walk-in shower or wider doorways. It might mean a financial cushion for years when income doesn't quite stretch as far. It might simply mean having options rather than pressure if something changes. If that's you, it's worth having a real plan behind it, not just hope.

Licensed in Arizona: This is educational content, not financial advice. Consult with a qualified financial advisor about your specific situation. David Rider, AZ Loan Originator License #LO-0912067 ยท NMLS #200787.

Frequently asked questions

Do most Arizona seniors actually stay in their homes?
Yes, homeownership rates for 65+ households (78.6% nationally) and the prevalence of single-level, low-maintenance housing in communities like Sun City and PebbleCreek make aging in place the norm here, not the exception.
What if my Arizona home needs modifications to make staying long-term realistic?
That's common and planned-for, not a sign you should move. Many homeowners use home-equity tools specifically to fund modifications like grab bars, walk-in showers, or wider doorways without touching retirement savings.
Is aging in place cheaper than moving to a retirement community?
It depends on the situation, but for homeowners with substantial equity and a home that fits their needs, staying put and using existing equity as a resource is often the more financially sound path, worth reviewing with real numbers, not assumptions.
Does this apply to both Sun City-style communities and newer Scottsdale/Mesa neighborhoods?
Yes, the aging-in-place trend holds across property types and areas; what matters is the homeowner's plan, not the specific neighborhood.
How do I start planning instead of just hoping it works out?
A short conversation reviewing your finances, your home, and your goals is the starting point, most homeowners I talk to are in exactly that "haven't sat down and looked at it yet" spot.
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David Rider, CRMP

Written by David Rider, CRMP

A Certified Reverse Mortgage Professional in real estate since 1985 and mortgage lending since 2002, specializing in reverse mortgages and senior home equity in Arizona, California, and Tennessee. Read David's full bio →

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