If You're Selling in Denver to Move Somewhere Cheaper, the Timing Math Actually Works Right Now

Most people hear 6.5% mortgage rates and assume it's a bad time to make a move. But if you're in your 60s or 70s, own your Denver home outright or close to it, and you've been thinking about relocating to a lower-cost market, the current conditions actually favor you more than almost any other type of seller. Here's the clear truth: you're not buying at these rates. You're selling. And Denver home values, despite some softening, are still sitting well above where they were five years ago. That equity is real, and in a lower-cost market, it goes much further than most people realize. The families I work with who have a steady plan before they list, not a rushed one, walk away with enough to buy outright in their next location and still have reserves left over. Practical preparation and clear timing matter more than waiting for a perfect market that may not come. Selling high and buying low is the oldest practical move in real estate, and right now, Denver homeowners moving to smaller markets are actually in a position to do exactly that. If you've already been thinking about this, the planning conversation is worth having before you decide the timing isn't right. The question I'd ask you directly: if your Denver home sold today for what it's realistically worth, would the equity be enough to change what retirement looks like for you? — Kevin Lundy