{"id":27,"date":"2026-09-28T11:00:00","date_gmt":"2026-09-28T11:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/wealthsmartadvisory-com\/2026\/09\/28\/the-overlooked-retirement-cost-housing\/"},"modified":"2026-09-28T11:00:00","modified_gmt":"2026-09-28T11:00:00","slug":"the-overlooked-retirement-cost-housing","status":"publish","type":"post","link":"https:\/\/www.wealthsmartadvisory.com\/blog\/2026\/09\/28\/the-overlooked-retirement-cost-housing\/","title":{"rendered":"The Overlooked Retirement Cost: Housing"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\"\n                src=\"https:\/\/www.roomvu.com\/agent\/embed\/heinrich-edimo\/overlooked-retirement-expense-remotion-videos-47bf\"\n                frameborder=\"0\"\n                allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\"\n                allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>Housing is often the most underestimated expense in retirement planning\u2014even after the mortgage is paid off. At WealthSmart Advisory Group, I routinely see high-income professionals and families surprised by the persistence of property taxes, insurance, maintenance, and utilities, all of which can put substantial pressure on fixed incomes. Annual housing costs for retirees frequently range from $15,000 to $25,000, with property taxes and insurance escalating the fastest. Maintenance is another silent drain; a disciplined approach is to set aside 1% to 2% of your home\u2019s value each year for repairs, though major system failures can upend even the best-laid plans. Selling a long-held home can also introduce tax surprises: appreciated properties may trigger significant federal taxes, despite the current profit exclusion. The key is to engineer your retirement strategy with these costs in mind. Aim to keep your core housing expenses within 20% to 30% of your retirement income, so your wealth can support both your lifestyle and your legacy\u2014without being derailed by overlooked costs. Wealth does not happen by accident; it\u2019s built through clarity, intention, and careful planning.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Housing is often the most underestimated expense in retirement planning\u2014even after the mortgage is paid off. At WealthSmart Advisory Group, I routinely see high-income professionals and families surprised by the persistence of property taxes, insurance, maintenance, and utilities, all of which can put substantial pressure on fixed incomes. Annual housing costs for retirees frequently range [&hellip;]<\/p>\n","protected":false},"author":433,"featured_media":53,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-27","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/posts\/27","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/users\/433"}],"replies":[{"embeddable":true,"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/comments?post=27"}],"version-history":[{"count":0,"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/posts\/27\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/media\/53"}],"wp:attachment":[{"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/media?parent=27"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/categories?post=27"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/tags?post=27"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}