New research from Paramus-based mortgage lender Longbridge Financial finds a significant confidence divide among older homeowners, with those ages 55 to 64 reporting the lowest retirement confidence across every measure surveyed.
The findings are featured in “The Retirement Confidence Divide,” the second volume of the 2026 Longbridge Financial Home Equity Confidence Index, based on a national survey of 2,021 U.S. homeowners age 55 and older conducted by Morning Consult. The research examines how retirement confidence varies by age, income and where homeowners hold their wealth.
Among homeowners age 75 and older, 82% say they are confident in their ability to afford everyday expenses in retirement, compared with 59% of those ages 55 to 64. The pattern extends across other measures of retirement confidence, including overall financial security, 66% compared with 47%; covering unexpected expenses, 74% compared with 48%; and affording health care, 78% compared with 53%.
“Our research shows homeowners ages 55 to 64 reporting considerably less confidence than older homeowners, while people whose wealth is concentrated in their homes also report much lower confidence than those with more ...