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How to Downsize the Right Way

Smaller mortgage payments and spending less time dusting those spare rooms may sound like a dream come true

Wouldn’t it be nice to have less to clean and more money in your pocket?

Financial Benefits of Downsizing

Still not convinced? Then it’s time to bring out the big guns and talk money. What if you reduced your mortgage by $500 a month and put that cash toward other financial goals? Check out three strides you could make:

1. Attack Your Debt Snowball

If you’re working hard to kick debt to the curb, downsizing your home can help you maintain that gazelle intensity. Let’s say you owe $18,000 on your student loan. With a 6% interest rate and a minimum payment of $200 a month, you’ll be paying on that loan for 10 more years!

But throw an additional $500 at your loan each month, and you’d trim a whopping seven years and eight months off your pay-off date. Sallie Mae will have to find a new place to live, because you’ll be free from student debt in less than two-and-a-half years!

2. Boost Your Retirement Fund

Once you’re debt-free with a fully funded emergency fund, it’s time to build wealth for the future. Dave recommends investing 15% of your household income into Roth IRAs and pretax retirement plans. If you’re still working your way up to 15%, that extra $500 could be the push you need to get there. And, boy, the difference $500 could make! In 30 years, you could have an additional $1–1.6 million in the bank to get you through your golden years. You can do a lot of living and giving with that nest egg!

3. Pay Off Your Mortgage

Trade in your mortgage for a paid-off home or Reverse Mortgage! Use the proceeds from selling your current home to pay cash for a smaller one. Just imagine what you could do with no mortgage holding you down!

If you can’t pay cash, aim for a 15-year, fixed-rate mortgage and put at least 10–20% down on your new home. Apply the $500 you saved from downsizing to your new monthly payment. At 4.5% interest, you could pay off a $200,000 mortgage in less than 10.5 years, saving almost $25,278 in the process. 

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Are you considering a move to Las Vegas from California? It's time for a smart change! Las Vegas offers an array of benefits for homebuyers looking to relocate, from affordable luxury homes and waterfront properties to a lower cost of living and no state income taxes. Say goodbye to high California taxes and hello to a brighter future in Las Vegas.

Boost Your Retirement Fund with Las Vegas Real Estate

Las Vegas is not just a world-renowned entertainment destination; it's also a prime location for boosting your retirement fund through real estate investment. With a wide range of houses for sale in Las Vegas, including off-market homes and new construction options, you can find the perfect property to suit your lifestyle and budget.

Imagine living in a waterfront home in Las Vegas, where you can enjoy the beautiful desert landscape and the serenity of lakes and ponds right in your backyard. Plus, with the lower cost of living in Las Vegas compared to California, you can save more and build equity faster, making it an ideal destination for retirement planning.

Say Goodbye to High Taxes and Hello to No State Income Taxes

One of the biggest advantages of relocating to Las Vegas from California is the absence of state income taxes. Nevada has no state income tax, which means more money in your pocket to invest, save, or enjoy your retirement. Stop paying high taxes in California and start maximizing your retirement fund in Las Vegas.

Luxury Homes and Affordable Prices in Las Vegas

Las Vegas is known for its luxury homes, and you can find a wide selection of upscale properties to choose from. Whether you're looking for a sprawling estate, a modern high-rise condo, or a golf course community, Las Vegas has it all. And the best part? The prices are often more affordable compared to California, allowing you to get more bang for your buck and build more home equity in Las Vegas.

Relocate to Active Communities and Enjoy the Las Vegas Lifestyle

Las Vegas is not just for retirees; it's also a vibrant city with a thriving community and plenty of activities for all ages. From world-class entertainment and dining options to outdoor recreational activities like hiking, golfing, and boating, Las Vegas offers a dynamic lifestyle for those who want to stay active and engaged.

With its warm climate, diverse cultural scene, and numerous amenities, Las Vegas is an ideal destination for active adults who are looking to relocate to an exciting and vibrant community. You can find retirement communities in Las Vegas that offer resort-style living, with amenities such as golf courses, fitness centers, and social clubs, providing you with the opportunity to connect with like-minded individuals and enjoy the Las Vegas lifestyle to the fullest.

Ready for Your Smart Move to Las Vegas?

If you're ready to boost your retirement fund, enjoy affordable luxury homes, and say goodbye to high taxes, it's time to consider relocating to Las Vegas. With its favorable real estate market, no state income taxes, and an array of activities and amenities, Las Vegas offers an exceptional opportunity for homebuyers looking to make a smart change. Don't miss out on the chance to cash out your high-cost California home and build more equity in Las Vegas. Call now to see Las Vegas real estate and start living the Las Vegas lifestyle today!

Welcome to RELOCATING to Las Vegas

Relocating from California? Buy Your Dream Home in Las Vegas!

• Relocation to Las Vegas

Declining unemployment, an expanding skilled-labor force, an exceptional tax structure, a pro-business environment, and a great climate have made Las Vegas a desirable place to relocate.

The population explosion in the 80s and 90s resulted in great opportunities to open new businesses and create more jobs. Over the last decade, job diversity has expanded, with more focus away from the gaming industry.

Since tourism generates nearly one-third of the state’s annual tax revenue, business owners are not subject to corporate income tax, personal income tax, franchise tax, inventory tax, or unitary tax on the state level.

If you are planning to relocate, Las Vegas should be at the top of your list of desirable places to live.

When most people decide it's time to relocate, for new lifestyle, new career or to retire, they must make important, personally relevant, decisions, in terms of where they might reside, during these so - called, Golden Years! Basically. their choices may be, between: remaining in their same size home; up-sizing or down sizing). Las Vegas property values gives home buyers from California or other higher priced real estate markets a much better value for the house per square foot.  Why one decides, and determines, it's time to relocate, there may be several reasons, briefly, consider, examine, review, and discuss, 5 specific reasons, and some reasons.

Say goodbye to sky-high home prices and hello to your dream home in Las Vegas. Our team of experienced real estate agents will help you find the perfect home in this booming city. 

1. Climate, and health - related: One of the frequent reasons, some Senior Citizens, decide to relocate, is their quest, for a better, more comfortable climate. Many people, who have lived, and worked, in the Northeast, decide, when they retire, it makes sense, to move Southern warmer climates. Perhaps, it's simply, because they want to spend their retirement years, being able to enjoy the outdoors, year - around, and/ or, it may be health for, their personal comfort zone!
2. Overall Cost of Living (COLA): The cost of living, in certain areas, of this nation, are, often, far lower, than in other regions! In order to make their  incomes, go - further, they seek, somewhere, where overall costs, may be less expensive, and they might get, more bang - for - the - buck! Some of these costs, may include: lower taxes; far - less expensive housing expenses; less costly, food and entertainment, etc.
3. Housing costs:  the State of California and New York have the ever - increasing, cost of houses. When one may not have the same need, to access, things, such as employment, etc, he may search for a place, to live, which might cost him less! Many areas in Las Vegas, have houses, which sell for, only a fraction of what, they cost, where they live!
4. Down - size: As we age, our housing requirements, and needs, often change! Many feel, they no longer, need, as large a house, and either, for costs - related, reasons, or, maintenance issues (perhaps, health - related). In addition, some, no longer, wish to climb - stairs, and seek, alternative style homes, which might better fit, their existing priorities, etc.
5. Seek something different/ change: Some, when they retire, seek changes, or something, different, when they have new, and/ or, differing life - styles!

Home sellers moving out of California The most outflow is happening in

 El Cajon, CA with only 17 moves in for every 100 moves out. Followed by 

Woodland Hills, CA and 

Escondido, CA (both 30 to 100).

the top cities showing outbound movement were 

Oxnard-Ventura (64%), 

Salinas-Seaside-Monterey (64%), 

Vallejo-Fairfield-Napa (63%), San Jose (62%), and 

Riverside-San Bernardino (61%).

According to U.S. Census data, four California counties saw the highest population declines in the nation from April 2020 to July 2021

#1 Los Angeles

#6 San Francisco

#7 Santa Clara, and 

#9 Alameda counties lost 330,777 residents. 

San Mateo at 3.5% decline.

Middle- and low-income earners considering a move away from California should find Texas and Florida to become appealingly affordable destinations. According to cost of living data, Texas’ housing cost index is 83.3 (109.4 is average) whereas California’s is 192.7. Even Washington affords significant housing savings (116.7), and as a bonus, there’s no state income tax.


Newark, California

98 to 100



Carlsbad, California

97 to 100



Rocklin, California

94 to 100



Folsom, California

93 to 100



La Jolla, California

90 to 100



San Francisco, California

89 to 100



Davis, California

88 to 100



Menlo Park, California

88 to 100



Monterey, California

85 to 100



Santa Cruz, California

84 to 100



Los Angeles, California

83 to 100


What Out-of-State Cities are Californians Moving to?

We've also narrowed down what out-of-state cities Californians are flocking to. Here one of most popular out-of-state destinations for California moves: Las Vegas Nevada

Las Vegas, Nevada

CBSA: San Diego-Chula Vista-Carlsbad, CA

Census population (2020): 151,271
Average home value: $847,857
Median rent: $1,550
Median household income: $65,326
Median age: 35.1
College education or higher: 24.6%
Unemployment rate: 4.7%

Similarly to El Cajon, Escondido has had its ups and downs over the years.

#2 (tied) Woodland Hills, CA

CBSA: Los Angeles-Long Beach-Anaheim, CA
Census population (2020): 70,245
Average home value: $1,250,000
Median rent: $2,044*
Median household income: $68,272*
Median age: 41
College education or higher: 24.57%
Unemployment rate: 6%

Situated just outside of the Calabasas and Topanga, this affluent neighborhood has been home to a list of celebrities and Hollywood industry professionals seeking a suburban lifestyle. Many neighborhoods in Los Angeles and its surrounding areas have fallen victim to mass exodus since the 2020, and haven’t seen the inflow to keep up. Woodland Hills could very well be a part of this trend, despite the comfortability the area offers.

#3 Van Nuys, CA

CBSA: Los Angeles-Long Beach-Anaheim, CA
Census population (2020): 102,966
Average home value: $764,500
Median rent: $2,044*
Median household income: $68,272*
Median age: 35
College education or higher: 25.1%
Unemployment rate: 6%

Moving closer and closer to the hub of Los Angeles, Van Nuys is yet another LA area neighborhood that can’t keep up with the outflow. Despite being more affordable than its neighboring cities, Van Nuys residents may still be looking to escape the rising taxes and inevitable traffic that comes with the territory.

#4 North Hollywood, CA

CBSA: Los Angeles-Long Beach-Anaheim, CA
Census population (2020): 72,718
Average home value: $849,000
Median rent: $2,044*
Median household income: $68,272*
Median age: 36
College education or higher: 21%
Unemployment rate: 6.3%

To round off the list of shrinking Los Angeles neighborhoods is North Hollywood, CA. Though North Hollywood will inevitably always retain residents for its industry job opportunities, those who are able to work remotely are still choosing to take advantage of that and escaping the high cost of living and area congestion (among other downsides).

NV secretary of state businesses moving into state

Especially tech jobs

Selling in CA, locking in gains and buying in Las Vegas

Goldman Sachs Predicts 2008-Style Housing Crash for Four U.S. Cities


Goldman Sachs has projected that four U.S. cities will experience housing collapses this year similar to what happened in the 2008 financial crisis. So reports FoxBusiness.

According to the investment bank, decreases in home prices may exceed 25% in:

  • San Jose, California

  • San Diego, California

  • Austin, Texas

  • Phoenix, Arizona. 

For comparison, the S&P CoreLogic Case-Shiller index shows a 27% slide in 2008.

In a note to clients, Goldman Sachs forecast that home prices will dip through year-end as “interest rates will remain at elevated levels longer than currently priced in.”

2022 Relocation Driven By High Housing Costs

Reports revealed that a record one-quarter (24.6%) of Redfin users sought to relocate to a lower-priced area in Q4 because remote work enabled people to search for less expensive areas amid home affordability challenges. In comparison, that’s up from 22.1% one year earlier and about 18% pre-pandemic.

Due to rising mortgage rates, still-high home values, and economic uncertainty, many people who are buying homes are relocating to more affordable areas at an unprecedented rate.

The most popular destinations Sacramento and Las Vegas had net inflows of roughly 5,500, down from roughly 6,500 in the previous year. The net inflow of a metro is the difference between the number of people looking to move into it and those who are looking to leave it.

While Las Vegas has experienced an increase in housing prices since the pandemic began due to remote workers moving in, it remains far more affordable than areas like New York or the Bay Area.

Compared to the most common origin typical home, eight out of ten most popular typical home destinations are more affordable. All 10 of the top relocating destinations have sunny climates, making them attractive to potential movers.

In Q4, San Francisco had more homebuyers looking to leave the city than any other metropolis, followed by Los Angeles and New York. A metro’s ranking is determined by its net outflow, a measure of the number of people moving away from the area versus those moving in.

Rounding out the top five are Washington, D.C. and Chicago followed by a number of other northern job centers. These are typically the places homebuyers look to leave due to their high prices.

Most of these places are seeing fewer homebuyers than a year ago, reflecting the slow housing market. Seven out of the top 10 metros had fewer net outflows in the fourth quarter compared to a year ago.