Should I sell my Denver home and move to a cheaper city in retirement?

If you own a home in Denver and you're thinking about selling to move somewhere less expensive in retirement, the honest answer is: the math works more often than people expect, and waiting usually costs more than moving. Denver still ranks among the higher-cost metros in the country, which means the equity sitting in your home right now has real purchasing power in many other markets. A clear plan around timing and what you actually need from a home going forward matters more than chasing the perfect moment. Here is what I have seen families miss when they think about this: they calculate the price difference between Denver and their target city, but they forget to account for what staying actually costs. Property taxes, maintenance on a larger home, and the physical demands of a house that made sense at 45 do not always make sense at 70. The practical question is not just where you want to live, it is what this home is costing you to keep, and whether that cost is working for you or against you. Steady and respectful decision-making here means being honest about those numbers before sentiment takes over. Your home is likely the largest asset your family will ever deal with. Treat it like one. If you are a Denver homeowner weighing this, I want to ask you something specific: have you actually sat down and calculated what your current home costs you to own each year, including maintenance and taxes, and compared that against what your equity could generate in a lower-cost market?