Housing ladder

START → BUILD → GROW → MOVE UP → DOWNSIZE → STAY

Housing needs change as life changes.

STARTFirst home / rental

BUILDIncome + equity

GROWSpace + bedrooms

MOVE UPEstablished

DOWNSIZELower maintenance

STAYAge in community

START

For first-time and lower-equity households, the strongest current evidence of pressure involves price, insurance, interest rates, debt and cash to close. Select a stage above to follow the housing journey.

START

Strongest evidence of pressure. Main constraints include price, insurance, rates, debt and cash to close.

MOVE UP

Current evidence does not establish a regional move-up shortage. Existing equity can materially change capacity.

DOWNSIZE + STAY

Type mismatch is plausible but direct demand is not yet proven. Carrying costs and accessibility matter.

Exploratory question: Can your children afford your neighborhood?

This is a question, not a conclusion.