The housing market has shifted—again. And this time, it’s not millennials leading the charge. According to the National Association of Realtors® 2025 Generational Trends Report, baby boomers now make up the largest group of home buyers in the U.S., accounting for a staggering 42% of all purchases.
Even more surprising? Nearly half of older boomers and 40% of younger boomers are buying homes entirely with cash. No mortgage. No monthly payments. Just a straight-up cash offer in a market where financing challenges are causing headaches for other buyers.
So what’s driving this trend—and what does it mean if you’re thinking about buying or selling in 2025?
👵 Why Boomers Are Dominating the Market
Many Baby Boomers have spent the last 10, 20, or even 30+ years in the same home. That means one thing: equity—and lots of it. With today’s high home values, long-term owners are finding themselves in a powerful position. They can sell their existing home, walk away with significant cash, and buy their next home outright without taking on another mortgage.
Other key motivators:
- Downsizing to smaller, more manageable homes
- Relocating to be closer to children or grandchildren
- Seeking low-maintenance, one-floor living or age-in-place features
- Desire for a simpler lifestyle with fewer financial obligations
This generation is using real estate as a tool for freedom and flexibility—not just a place to live.
⚖️ What This Means for the Housing Market
Cash buyers have always had an edge in real estate, but the power dynamic is even more pronounced now. In a competitive market:
- Cash offers are more attractive to sellers—they often mean faster closings and fewer contingencies.
- Financed buyers, especially first-timers, are finding it harder to compete.
- Sellers are more likely to choose a sure thing over the highest price, especially when the buyer is well-qualified and motivated.
Boomers aren’t just buying—they’re selling, too. They make up over half of all home sellers, many of whom are taking advantage of years of appreciation and strong buyer demand.
💡 Thinking of Buying or Selling as a Boomer? Here’s What to Know
If you’re in your 60s, 70s, or beyond and considering a move, you’re in excellent company—and a strong position.
Buying?
- Think lifestyle first: prioritize accessibility, location, and community.
- You may not need to compromise if you’re buying in cash.
- Downsizing doesn’t mean downgrading—you’re buying for this season of life.
Selling?
- After a decade (or more) in your home, you likely have significant equity.
- Many boomers are able to sell high and buy their next home outright, even if it’s in a more expensive area.
- Now is an ideal time to explore your options before the market shifts again.
“For many Boomers, real estate isn’t just a house—it’s a tool for freedom, flexibility, and financial stability.”
📞 Let’s Talk About Your Next Chapter
Whether you’re planning to downsize, relocate, or just simplify, I’m here to help you make a confident move.
I work with clients who want a low-pressure, personalized approach to real estate—especially those navigating big transitions. If you’re a Boomer considering your options, let’s start the conversation.
👉 Reach out today for a no-pressure consultation.
We’ll go over your goals, timeline, and what kind of move makes the most sense for you.
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