When Baby Boomers Move In With Their Aging Parents

Across U.S. continuing care retirement communities (CCRCs), a historic demographic confluence has arrived: retirees in their 60s and 70s are leasing shared suites or adjacent flats alongside their parents in their late 80s and 90s. This interactive model analyzes the joint balance sheet, informal caregiving trade-offs, and boundary architectures of multi-generational retirement.

By Special Wealth & Health Projects Staff • Interactive Analysis Tool • Updated September 2026

Select Co-Living Strategy Archetype Click to load representative actuarial and cost profile

Household Profiles Demographics

Boomer (Child) Age 67 yrs

Parent Age 88 yrs

Parent Care Level

Boomer Informal Care Hours 14 hrs / wk

Replaces hired health aides ($32/hr market equivalent).

Capital & Home Equity Liquidated Assets

Parent Home Sale Proceeds $380,000

Boomer Home Sale Proceeds $480,000

Community Entrance Fee Model

Refundable protects wealth for heirs; non-refundable lowers entry cash.

Entrance Deposit (Combined) $320,000

Operating Escalation Assumptions

Annual Cost Escalation 3.8 %

Historical senior living rate increases average 3.5%–4.5% annually.

Invested Capital Return 4.5 %

Conservative yield on residual liquidity post-entrance fee.