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When Is the Best Time to Sell My Home in Retirement?

Senior lady sitting on a couch enjoying a coffee

Embarking on the journey of retirement involves a series of thoughtful decisions, and among them, the timing of selling one’s home plays a crucial role. Many seniors find themselves at a crossroads, contemplating when is the best time to make the move.

Whether it’s the reluctance to downsize, waiting for an ideal financial or housing market, or deferring the decision until necessity strikes, the pivotal question remains: Should you wait or take the first steps now?

Learn about all the benefits of how moving now can help you reach your ideal retired lifestyle and you can start enjoying your golden years.

Why Should You Consider Planning Your Move Now?

As the crisp winter air settles in, it’s common to instinctively think of waiting until spring or summer to make your move. However, breaking away from the conventional wisdom and planning your transition during the winter months comes with a host of benefits.

Whether you’re considering selling your home, downsizing, or securing your ideal residence in a retirement community, here’s why winter might be the optimal time for your move.

  1. 1. Avoiding the Spring and Summer RushThe real estate market tends to peak during the spring and summer months. By planning your move in winter, you strategically position yourself ahead of the rush. This can translate into a smoother and less stressful process, with less competition for both real estate and the services associated with moving.
  1. 2. Benefiting From Off-Peak Moving Services

  2. Moving companies often experience higher demand in the spring and summer, leading to potential challenges in securing preferred dates and competitive pricing.
  3. By choosing to move during the winter, you can benefit from off-peak times, ensuring more flexibility in scheduling your move and potentially saving on moving costs.
  4. 3. Taking Advantage of Year-End Tax Considerations

  5. The end of the year is a crucial time for tax planning. By initiating your move in winter, you may capitalize on certain tax considerations related to selling your home or downsizing.
  6. Consultation with financial and tax professionals during this period can provide valuable insights into maximizing your financial benefits.
  7. 4. Embracing a Cozy and Comfortable Transition

  8. Winter moves offer a unique opportunity to transition into retirement, living in a cozy and comfortable atmosphere. The season’s charm, coupled with the warmth of community life, can make your move a more relaxed and enjoyable experience.
  9. It also allows you to settle into your new home and community before the busier months unfold. Embrace the opportunity for a fresh start, surrounded by the support and warmth of your chosen community.
  10. 5. Unlocking Financial Stability With Early Planning

  11. Planning your move during winter demonstrates proactive foresight. Early engagement not only ensures that you secure your ideal residence but also opens the door to financial stability.
  12. From exploring different contract options to understanding the financial intricacies of retirement living, early planning provides a solid foundation for a stress-free transition.


Senior couple discussing financial planning


The Benefits of Early Planning

Now, let’s delve deeper into each advantage to illustrate how proactive planning can significantly enhance the retirement living experience:

1. Choose Your Ideal Residence 

The journey of choosing your future residence can be an exciting and fulfilling process. Early engagement allows you to explore the options available at your community.

If a community has limited options in terms of floor plans or residence types, knowing early can help you secure your spot in your top choice.

2. Qualify for Independent Living  

Independence is a cornerstone of a fulfilling retirement, and by initiating the move early, you retain the ability to qualify for independent living. Whether you’re seeking an active, vibrant community or a tranquil haven, the choice is yours. 

Avoid the complexities associated with waiting for health issues to dictate your living arrangements. Instead, relish the freedom to live life on your terms.

3. Optimize Community Offerings  

Your community will have social activities, amenities, and plenty of new neighbors for you to meet. Proactive planning ensures that you don’t merely become a resident but an active participant in the community’s vibrant life.

From fitness programs to cultural events, immerse yourself in the offerings that align with your interests. By taking the first steps, you position yourself to engage fully in robust community life from day one.


Group of senior men getting ready for a bike ride


Experience the Community and Lifestyle at Monarch Landing

Monarch Landing stands as a colorful testament to vibrant independent living, resembling the intricate patterns of a kaleidoscope. Here, active seniors find not just a community but a canvas for creating a worry-free lifestyle filled with diverse activities, engaging events, and flourishing friendships.

As soon as you consider becoming a resident, our move-in coordinator ensures a seamless transition, setting the stage for a remarkable experience.

Upon arrival, you’ll gain access to top-tier resources and amenities, making Monarch Landing an extraordinary choice for independent living in Naperville, Illinois.

1. Design Your Ideal Lifestyle

Create your ideal lifestyle at Monarch Landing. Choose from one- and two-bedroom apartments, awakening each morning to a world of possibilities.

Enjoy culinary delights in various dining rooms, meander through beautiful gardens, and engage with like-minded individuals to create new activities. Monarch Landing’s activities calendar and enriching amenities ensure a maintenance-free life, allowing you to cultivate friendships and make the most of each day.

2. Independence With Peace of Mind

You can enjoy your retirement knowing the community has a full continuum of care to support your health care needs.

At Monarch Landing, you only pay for the services you need when you need them. Opt for the Return of Capital Plan to preserve your investment for yourself or your estate.

3. Type C Contract Comfort

Financial stability and peace of mind are paramount considerations when transitioning to retirement living. Monarch Landing’s Type C contract offers residents a secure financial framework, providing assurance for the future.

Early engagement grants you the time to understand the nuances of this contract, allowing you to make informed decisions that align with your financial goals and preferences.

Plan Your Move to Monarch Landing

The decision to transition to retirement living is a transformative journey, and Monarch Landing is ready to be your guide. If you’re contemplating the move, now is the time to take the first steps.

By engaging early, you’re not only securing your ideal residence but also maximizing the benefits of independent living.

Call us at 630.548.0400 to explore the residences at Monarch Landing and learn how we can assist you in the downsizing process. Your ideal retirement lifestyle is just a call away.