Should I sell my Denver home and move to a cheaper city when I retire?

If you own a home in Denver and you're thinking about retiring somewhere less expensive, the math often works in your favor right now. Denver still carries strong equity for long-term owners, and in several lower-cost markets across the country, that equity can be converted into a paid-off home plus a meaningful financial cushion. This is one of the clearest practical advantages of owning in a higher-cost city, and it deserves a real plan, not a vague someday conversation. The mistake I see most often is families treating this as a distant idea rather than a decision with actual timing. Housing costs in Denver's peer cities have climbed significantly, but the gap between Denver equity and the purchase price in Albuquerque, Tucson, Pueblo, or smaller Colorado towns still creates real room to breathe. The window is not infinite, and the families who made steady, clear choices about timing over the last few years are in a fundamentally different position than those who waited. Your home is likely the largest financial asset in the picture. Using it thoughtfully, with the right sequence of steps, is not complicated. But it does require starting the conversation before a health event or family pressure makes the choices for you. Your equity should open doors, not just sit there. If you're in Denver and seriously thinking about a geographic move in the next one to three years, I'm curious: what's the one thing that's kept the plan from getting off the ground? — Kevin Lundy | The HomeBridge Group Brokered by eXp Realty