Oregon Adults 45+ Seek Financial Security and the Ability to Age in Place

AARP's 2026 survey of Oregon adults 45 and older finds that financial security and aging in place are closely connected priorities. Residents overwhelmingly want to remain in their homes and communities as they age, but many are concerned about the affordability of housing, health care, daily expenses, and retirement. The findings highlight the importance of policies and programs that support economic stability, independent living, and long-term well-being.

Financial security remains a top concern

Oregon adults age 45 and older place a high priority on managing everyday expenses while preparing for the future. Affording groceries and household necessities ranks among the most important financial concerns, alongside having enough money for retirement and the ability to stop working when desired.

Health care costs are also central to financial security. Most residents say affordable health care, prescription drugs, Medicare, and future Social Security benefits are important to their quality of life and financial stability. Compared with 2023, concern about protecting Social Security and Medicare has grown, underscoring the importance of these programs for Oregon's aging population.

At the same time, many adults express concerns about fraud and scams. While protecting themselves from fraud is a high priority, only about half feel confident they would know how to respond if they became a victim, suggesting a need for greater awareness and consumer education.

Aging in place is the preferred path

The vast majority of Oregon adults want to remain in their own homes as they age. The survey shows broad support for aging in place, with residents emphasizing the importance of affordable housing, accessible housing options, and alternatives to institutional care.

Interest in aging in place has increased since 2023, reflecting a growing preference for maintaining independence and remaining connected to familiar communities. Residents also recognize that successful aging in place depends on community features such as safe walkable sidewalks, reliable transportation options, and preparedness for natural disasters.

Housing affordability and accessibility are key challenges

Although aging in place is widely desired, many Oregonians face housing-related barriers. Homeownership among adults age 45 and older has declined since 2023, and renters are particularly concerned about rising housing costs.

For renters, increasing rent poses one of the greatest threats to remaining in their homes. Homeowners cite rising property taxes and the cost of home modifications needed to age safely and independently. Utility and maintenance expenses further contribute to concerns about long-term affordability.

These findings reinforce the strong link between financial security and housing stability. For many residents, the ability to remain at home depends on whether housing and related costs remain manageable over time.

Community supports matter

Beyond housing, residents value community investments that promote independence, safety, and quality of life. Walkable neighborhoods, transportation options, disaster preparedness, and access to affordable high-speed internet all contribute to residents' ability to remain active and connected as they age.

Workplace issues also remain important. Many residents prioritize protection from age discrimination and access to good employment opportunities, particularly adults ages 45 to 64 who are still in the workforce and planning for retirement.

Opportunities for Oregon

The survey findings suggest that helping residents age in place requires a comprehensive approach that addresses financial security, housing, health care, transportation, and consumer protection.

Improving awareness of property tax relief, utility assistance, and other support programs could help more residents remain in their homes. Expanding fraud prevention education, protecting retirement security, and increasing access to affordable and accessible housing may also help strengthen financial well-being and quality of life for Oregon's 45-plus population.

For more information, please contact Terri Guengerich at tguengerich@aarp.org. For media inquiries, contact External Relations at media@aarp.org.