Tag Archives: aging

Can McMansions be made suitable for aging residents?

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As I have studied McMansions, I found numerous suggestions that aging residents may not want such homes given their current needs. This recent explanation sums up some of the possible issues older residents face:

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The McMansion purchased years ago with its acres of ground might now seem too much to handle. With younger family members gone, there may not seem to be so much motivation for larger space. Homes with high balconies and difficult to maneuver staircases present safety challenges. Communities that maintain the grounds can be attractive.

Do the issues older residents face necessarily preclude having a McMansion? In the paragraph above, here are the issues mentioned and the ways McMansions might actually help address these issues:

  1. Too much property. Could the McMansion be expanded to take up even more of the property? Or, convert that two-story McMansion into a more sprawling McMansion ranch. While McMansions are sometimes criticized for their size compared to their neighbors, having loss property to maintain could be a plus.
  2. Fewer family members in the house so less space is needed. But, Americans love buying more stuff and instead of paying for self-storage a McMansion owner can make use of the extra interior space. They can age in place with all of their stuff.
  3. High balconies and interesting staircases could pose problems. Yet, with the space inside a McMansion, could not all of these areas be addressed by renovations? Instead of a twisting staircase, make use of some of that grand foyer to build a straight staircase with a lift.
  4. How about more McMansion neighborhoods with HOAs? Millions of Americans already live with HOAs so why not put them to work here making sure grounds and housing exteriors are kept up as residents age?

Sure, smaller spaces might be attractive for seniors but it can be hard to give up space once one has lived with it. There may be plenty of opportunities for older Americans to remain in McMansions if they want to and there are models for how this can be done.

Japan has a large supply of abandoned rural homes

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Looking for affordable housing in the developed world? Japan has millions of homes available:

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As Japan’s population shrinks and more properties go unclaimed, an emerging segment of buyers, feeling less tethered to overcrowded cities, is seeking out rural architecture in need of some love. The most recent government data, from the 2018 Housing and Land survey, reported about 8.5 million akiya across the country — roughly 14% of the country’s housing stock — but observers say there are many more today. The Nomura Research Institute puts the number at more than 11 million, and predicts that akiya could exceed 30% of all houses in Japan by 2033…

“Poorly maintained akiya can mar the scenery as well as endanger residents’ lives and property if they collapse,” said Kazuhiro Nagao, a city official in Sakata, along the west coast, where heavy snowfall can damage unattended structures. “We’re partly subsidizing demolitions, collecting neighborhood association reports on akiya, and trying to make owners aware of the problem by holding briefings.”

Although the akiya problem has not had a direct impact on sales in urban markets, where high-rises continue to go up, the potential hazards to communities posed by empty houses are growing along with their numbers, according to Akira Daido, chief consultant at the Nomura Research Institute’s Consulting Division…

Akiya are increasingly seen not just as a threat to suburban and rural markets but to the emotional health of the country, sparking family disputes over inherited properties. That, in turn, has led to a cottage industry of akiya consultants like Takamitsu Wada, CEO of Akiya Katsuyo, who acts as a counselor for squabbling relatives, often urging them to act before their properties become a lost cause.

This seems to come as the result of two significant patterns in Japan (and also present in much of the developing world):

  1. An urbanizing population. For decades, people have flocked to cities and metropolitan areas. What happens to older homes and properties? Some may become popular in resort areas but many are less desirable. Rural areas have emptied out.
  2. An aging population. What if populations age, requiring access to medical care and other needs, and a society needs fewer houses or different kinds of housing?

In one example from the story, an akiya is just 45 minutes from central Tokyo. In the United States, that would a suburban community that could be desirable to many.

What happens, ultimately, to all of these older homes? Homes do not have to last forever or house new residents.

Seeing college as part of the earlier steps of life

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In thinking about how I have passed the statistical midpoint of my life, a rough calculation based on life expectancy figures from the CDC, I am reminded that the college years tend to occur early on in many people’s lives. If students graduate from college anywhere between age 21 and 26, they will have, on average, more than fifty years of life after college.

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These numbers present a different perspective than a description sometimes attached to college: “the best years of your life.” They may be good, interesting, unique years. (They also may not be.) But, if they are the “best years,” what does this mean for the decades of life after college? What happens with all of those years after graduation?

This perspective of decades of life post-college might also provide depth to the idea of life-long learning. Even as college happens relatively early in life and it is a relatively short experience, there is potential for the content, relationships, patterns, and dispositions learned and formed to affect multiple decades afterward. Many are worried about what job or career comes right after the college degree; a longer-term view puts college in the context of a longer life with more twists and turns.

As people age, a college experience recedes further and further back in years. In the growing decades after college, what remains from college?

Why large communities just for 55+ residents may not be a good thing

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One researcher suggests the development of 55+ only communities limits opportunities for the residents and the communities:

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Del Webb of Sun City fame recognized that, rather than rocking away their “golden years” in the northern cold, older adults could be convinced to pull up roots, leave empty nests and move to communities of similar people and lives of leisure. A radio jingle promoting this new model of living sang out: “Don’t let retirement get you down! Be happy in Sun City, it’s a paradise town.”

But is a town without the sounds of children and a diversity of races and styles really a paradise?

A growing number of older adults say no, recognizing that living with neighbors of all ages and from all walks of life just makes sense. They realize that intergenerational connections are not just valuable for them but for their communities and country.

They recognize that ageism will not be defeated by a retreat to age-segregated corners, but only by engagement, collaboration and dialogue across age, race and class divides. They believe that there is more to graying than playing.

I wonder how housing and community organized by age fits with ongoing and persistent processes of residential sorting by race/ethnicity and social class in the United States. Looking at the Census QuickFacts for The Villages, Florida shows the community is almost 97% white and the poverty rate is 4.6%. Since wealth in the United States is related to race and ethnicity, how racially segregated are 55+ communities?

This commentary also hints at a broader issue in the United States: why is aging treated as it is? Why aren’t older adults seen as resources rather than liabilities? Why aren’t intergenerational relationships and communities celebrated more? These communities might be considered the physical embodiment of particular cultural values in the United States.

A strong majority of Americans want to grow old in their cities

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Two surveys, one from 2014 and one more recent, suggest many older Americans want to stay put:

But the vast majority of older Americans—more than 70 percent of those over 50, according to a 2014 AARP survey—plan to “age in place,” or stay in their homes or communities. And the desire to stay put persists across urban, suburban, and rural residents—even in Snow Belt cities and among those with the financial resources to buy that condo in Boca or Scottsdale…

Welltower, a company that owns health-care real estate, from retirement communities to outpatient medical office buildings, recently surveyed 3,000 people to find out more about this desire among urbanites to age in place. Respondents were of various ages—Baby Boomers, Generation X, and Millennials—and lived in 10 cities across the country, from Seattle to Houston to Boston. One Canadian city—Toronto—was also included.

The survey showed that 7 out of 10 urbanites still want to live in their city after the age of 80. For Boomers, the share was higher, at 8 out of 10. The result was fairly uniform across the cities. Though some residents ranked their metropolises higher for livability for older residents—Washington, D.C., Miami, and Chicago got the highest marks, while Los Angeles, San Francisco, and New York City received the lowest—all respondents were still largely interested in staying and complimentary of their respective cities…

As CityLab reported earlier this year, this presents numerous challenges, especially for those who want to age in place. Only 1 percent of our housing stock is currently equipped with “universal design” elements that aid older residents, like no-step entrances, single-floor living, and wide halls and doorways. And more older adults also means more lower-income adults, who will struggle to afford the rent or mortgage, let alone modify their living space or employ in-home nursing care.

Three quick thoughts in response:

  1. While we know a lot about residential segregation due to race and class, could we be headed to scenarios where the elderly and younger adults live in very different environments? The two groups could be interested in very different urban features and differ on what amenities they should pay for through taxes. Some of these issues pop up from time to time when proposals are made for senior living facilities or there are requests for more school funding.
  2. What would happen if communities did not respond much to changes that would help the elderly? Would they revolt?
  3. Even though the elderly say they do not want to move, perhaps some cities and suburbs could gain a competitive edge by catering to this group. A neighborhood within a particular city could make changes so that while people would have to move, they would not necessarily have to go far. Or, certain communities could become regional centers for the elderly.

As this article notes, this demographic change is coming within the next few decades and it will be interesting to see how communities react.

Hard to counter China’s aging, even with change in one-child policy

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The change in China’s one-child policy may not have much effect on its demographics:

“The population in China is going to continue to age,” said Kristin Bietsch, a research associate at the Population Reference Bureau in Washington, D.C. “Even though they’re hoping to increase their fertility, they’re still going to have a substantial population aging — and this is going to happen even with the increase in fertility.”…Adrian Raftery, a professor of statistics and sociology at the University of Washington in Seattle, agreed: “The (United Nations) has already been projecting a small and slow increase in China’s fertility rates over the coming decades, and this news makes this even more likely to happen,” he said. “The increase is not likely to be large, though.”…

Like much of Europe, China’s population is aging rapidly — India’s population, now at 1.3 billion, is expected to surpass China’s within seven years, according to the United Nations…

But many demographers argue the birthrate would have fallen anyway as China’s economy developed and education levels rose. They foresee a looming crisis because the policy reduced the young labor pool that must support the large baby boom generation as it retires.

Three quick thoughts:

  1. See more about demographic transition here: as countries develop and have more wealth, residents have fewer children. Even as the one-child policy disappears, there may not be a rush to have two children.
  2. Governments have the ability to set policies such as these but one problem with influential policies is that they also need good timing. If the goal was to reduce the proportion of older residents, this change came late and it will now take more time to counteract the unintended consequences of the initial policy.
  3. I haven’t seen much about the real reasons China reversed this policy. Presumably, it has to do with aging – a modern society needs a broad base of young workers both for economic growth as well as to pay into the system to take care of older residents. Yet, this article brings up the population of India – might the shift also have to do with the population growth of India? Are there other reasons as well?

Increasing number of abandoned homes in Tokyo

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As the population declines, Tokyo has more abandoned homes:

Despite a deeply rooted national aversion to waste, discarded homes are spreading across Japan like a blight in a garden. Long-term vacancy rates have climbed significantly higher than in the United States or Europe, and some eight million dwellings are now unoccupied, according to a government count. Nearly half of them have been forsaken completely – neither for sale nor for rent, they simply sit there, in varying states of disrepair.

These ghost homes are the most visible sign of human retreat in a country where the population peaked a half-decade ago and is forecast to fall by a third over the next 50 years. The demographic pressure has weighed on the Japanese economy, as a smaller workforce struggles to support a growing proportion of the old, and has prompted intense debate over long-term proposals to boost immigration or encourage women to have more children.

For now, though, after decades during which it struggled with overcrowding, Japan is confronting the opposite problem: When a society shrinks, what should be done with the buildings it no longer needs?…

Tokyo could end up being surrounded by Detroits,” said Tomohiko Makino, a real estate expert who has studied the vacant-house phenomenon. Once limited mostly to remote rural communities, it is now spreading through regional cities and the suburbs of major metropolises. Even in the bustling capital, the ratio of unoccupied houses is rising.

The population loss in Detroit and Tokyo are driven by different factors yet the Motor City could help other cities around the world think about what to do when the population decreases.

This particular article doesn’t talk much about negative consequences of having a lot of abandoned homes. Any problems with squatters? People tearing apart the buildings for scraps? Animals? Neighbors unhappy about the lack of upkeep? Bloated infrastructure costs that need to be reined in? Perhaps the consequences of abandoned homes are quite different across national contexts.

More older Americans dealing with mortgage debt

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Retirement may look quite different for many Americans who have more mortgage debt than in the past:

Nearly a third of homeowners 65 and older had a mortgage in 2011, up from 22% in 2001, according to an analysis from the Consumer Financial Protection Bureau, using the latest available data.

The debt burden also grew — with older homeowners owing a median of $79,000 in 2011, compared with an inflation-adjusted $43,400 a decade earlier.

For decades, Americans strove hard to pay off their mortgages before retirement, an aspiration that when achieved was celebrated with mortgage-burning parties…

A recent study from Harvard University’s Joint Center for Housing Studies showed that of mortgage holders ages 65 to 79, nearly half spent 30% or more of their income on housing costs. Of mortgage holders 80 or older, 61% pay that amount on housing.

This continues a trend noted last year. This is worth watching as a higher percentage of Americans are older and this particularly affects older residents in more expensive markets where housing options are not as cheap. Homeowners could have several options down the road. First, perhaps they shouldn’t buy homes close to retirement age. Unfortunately, this means they might not be as flexible in searching out new jobs. Second, they may have to sell at retirement and bank that money for future concerns. Yet, even if they can make a good return on selling their home, moving can still be a tough transition (even within a metro area as opposed to moving to significantly cheaper markets). Third, they may have to pursue other living arrangements at retirement such as renting rooms or small apartments in their dwelling to try to make some extra money.