Downsizing guide
Downsizing vs. Staying: How to Compare
Staying is a real option too. A fair comparison looks at money, effort and how you want to live over the next five to ten years.
CHECK MY DOWNSIZING NUMBERSStaying
You keep your low California tax base and avoid transaction costs. But equity stays tied up, and maintenance, repairs and possible accessibility upgrades continue.
Downsizing
You can unlock cash and reduce upkeep. You also pay selling and buying costs and may face a higher tax bill or HOA dues unless an exemption like Prop 19 applies.
A simple test
Estimate your monthly housing cost today including maintenance, then the same for the next home. Add the one-time move costs and compare against the cash you'd free up.
Examples are hypothetical illustrations, not appraisals or tax, legal or financial advice. Confirm tax questions with the County Assessor or a qualified professional. Last reviewed October 2026.
Want a personal review of your numbers?
Nataliya Abolfathi, REALTOR® with Keller Williams Pacific Estates, can review what your home could sell for and help you plan your move.