Independent neighborhood guide, not affiliated with any homeowners association, property manager, city or official board.
Updated October 23, 2026
You may not be ready to move into your retirement home yet. But some people buy it early, while they’re still working, when the right home and the right price come along.
It’s a big decision with real trade-offs, so it’s worth thinking through carefully.
Here are the main ideas.
Why some people buy early
Buying ahead can lock in a home you love in an area you want, and the equity builds over the years until you move in. A 15-year loan can build equity faster and may have a lower rate, if the payment fits your budget.
What to weigh
Owning two homes means two sets of taxes, insurance and upkeep. If you plan to rent the home in the meantime, factor in vacancy, repairs, management and local rental rules. I help with buying and selling; I don’t handle leasing or property management.
When you sell your current home
If you sell your main home, you may be able to exclude a large part of the gain from tax, up to $250,000 for a single filer or $500,000 for a married couple filing jointly, if you meet the ownership and use tests. Ask your tax professional how it applies to you. Read Paying Off Your Mortgage Before Retirement and start with the buyer questionnaire.
This is general information, not financial, tax or legal advice. Talk with your lender, CPA or attorney about your situation.
A simple plan for your buying your retirement home early move
I’ve been helping people buy and sell homes across the west metro for about two decades, and I build and remodel luxury homes too. I’ll help you see both what a property is and what it could be.
Getting the house ready, or making it yours
If you’re selling and want repairs handled before buyers see them, Super Crew Contractors can give you an estimate. If you’re ready for something custom, Ivy Lane Homes does luxury home building and remodeling. And a quick coverage check with Intrinsic Insurance before closing can save you a surprise. For the local picture, read my Chaska homes guide or browse neighborhoods in Chanhassen and Victoria.
Your next step in buying your retirement home early
Every move is different. When you’re ready to talk about yours, I’m a call or text away.
Please note: I don’t handle rentals or property management. I work with buyers and sellers, and that’s where I can help you most in buying your retirement home early.
Stay close to the market, without the noise.
Every so often I send a short, practical note: what Twin Cities homes did, prep tips that are worth the money, and neighborhoods worth a look.
Thank you! You’re on the list.
I’m glad you’re here. A quick confirmation is on its way to your inbox. Whenever you want to talk about your own home or a move, I’m a call or text away.
