Key facts
- Younger senior homeowners (55-64) show less financial confidence than older peers.
- Wealth concentrated in home equity correlates with lower retirement confidence.
- Higher income homeowners report greater confidence in financial security.
Homeowners aged 55 to 64 are less confident about their retirement finances than older age groups, particularly concerning unexpected expenses and healthcare costs, according to survey data released Monday by Longbridge Financial. The report, "The Retirement Confidence Divide," is the second installment of the 2026 Longbridge Financial Home Equity Confidence Index.
A national survey conducted this past spring by Morning Consult of 2,021 U.S. homeowners ages 55 and older found that 47% of those aged 55 to 64 reported confidence in their overall financial security, compared with 66% of those aged 75 and older.
The survey also revealed that homeowners whose wealth was primarily concentrated in home equity reported lower confidence across all seven retirement measures included in the survey, including overall financial security, affording everyday expenses, and covering unexpected costs.