08/06/2026
Nobody tells you that selling your house can affect what you pay for Medicare.
Most people focus on the equity.
Few think about how the sale could impact Medicare costs later.
If you’re between 52 and 65, pay attention.
Before you sell, ask:
• Could this gain trigger IRMAA and raise future Medicare premiums?
• Would different timing help you keep more money?
• Are you freeing up cash flow and creating income, or just buying another expensive house?
Here’s the catch:
Medicare uses a two-year lookback.
Income reported today can affect Medicare costs a couple of years from now.
You’re not overthinking it by considering both lifestyle and tax implications.
You’re making sure a move meant to create freedom doesn’t make the next chapter more expensive.
California empty nester consider running the numbers before you list.
Comment PLAN and I’ll DM you my “Midlife Freedom in 10 Years or Less” guide.
If you think your home sale could impact IRMAA, Medicare premiums, or taxes, consult your CPA, tax advisor, and Medicare professional before making decisions.
Follow for midlife move math, right-size housing strategies, and equity-to-income ideas.
SUSAN WALDRON
CalRE #01873623
840 Newport Center Dr., Ste. 100
Newport Beach, CA 92660
C. 949.933.9794
[email protected]
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