Median home-sale prices have dropped to just over $403,000 in early 2026 after a pandemic spike, benefiting buyers but challenging sellers. Selling now may yield less than a few years ago, though some markets still see rising prices. Downsizing can free cash for retirement costs, and lower home prices may ease buying a new home. Rising mortgage rates suggest acting soon to lock in manageable rates. Beyond finances, readiness for relocation and lifestyle changes is crucial.