Homeownership: The Ultimate Retirement Plan

When it comes to planning for retirement, many people think of traditional investments like 401(k)s or IRAs. But in Northern Virginia, one of the most powerful and stable retirement strategies is homeownership. It’s not just about having a place to live—it’s about building long-term wealth, financial security, and a legacy for future generations.

Here are just a few reasons why homeownership is the ultimate retirement plan.

A Solid Investment That Grows Over Time

In January 2025, the average home price in Northern Virginia rose to $836,329, a 10.4% increase from the previous year. The median price reached $685,000, up 5.4% year-over-year 

These gains outpaced national averages, demonstrating the strength and resilience of the local market.

Builds Generational Wealth

Homeownership builds equity over time, which can be passed down to children or used to fund retirement. In 2025, Northern Virginia home sales totaled nearly $700 million in January alone, an impressive 19% increase from the previous year. 

This kind of market activity reflects strong demand and long-term value.

Less Volatile Than the Stock Market

While the stock market can fluctuate daily, real estate in Northern Virginia has shown consistent growth. Homes in the region spent an average of 31 days on the market, significantly lower than the national average of 41 days, indicating strong buyer interest and market stability.

A Hedge Against Inflation

With inflation affecting everyday expenses, owning a home with a fixed-rate mortgage locks in your housing costs. Meanwhile, rents continue to rise, making homeownership a smarter long-term financial move.

Real Numbers, Real Impact

833 homes sold in January 2025 — an 8% increase from January 2024. Active listings rose 28.5%, giving buyers more options while maintaining strong demand. 

Northern Virginia’s real estate industry generated $17 billion in local economic activity and supported 88,400 jobs in 2023. 

 Tax Benefits and Forced Savings

Each mortgage payment builds equity—unlike rent, which builds someone else’s wealth. Plus, homeowners may benefit from tax deductions on mortgage interest and property taxes, adding even more value.

Ready to invest in your future? Let’s talk about how homeownership in Northern Virginia can be your best retirement plan.

Always remember, we’re here for you!

Dave & JoAnne Adams, REALTORS®

703-963-4491

david.adams@cbmove.com

© 2025 Dave and JoAnne Adams