Comparing rent to a mortgage is only the start. Factor in insurance, taxes, condo/HOA dues, reserves for repairs, lawn care, and the value of your time. In many scenarios—especially for people leaving older homes—renting narrows the gap or wins outright once maintenance and risk are included. National reporting this year notes more Americans renting longer as rates and ownership costs stay elevated, while yesterday’s WSJ piece highlighted why seniors in particular value flexibility. The Wall Street Journal+1

Run two budgets: (1) keep the house and fully load the true cost; (2) sell and rent or buy smaller. Assign every line item a number you can defend. Then weigh non-financials: stairs, winter maintenance, proximity to care, and the joy of being closer to family or Metro.

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