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Innovative Financing and Care Models to Scale Affordable Housing Solutions for Middle-Income Older Adults

The United States is experiencing a significant demographic shift with projections indicating that, by 2034, the older adult population (65 and older) will surpass the population under 18. This shift is expected to result in 80 million older adult Americans by 2040, a substantial increase from 55.7 million in 2020. Particularly, the population aged 85 and older, requiring more assistance, is anticipated to double by 2040. This demographic change poses challenges in providing suitable and affordable housing and care options for older adults. While the senior housing sector has evolved to meet diverse preferences, a notable gap exists in the "middle market" — individuals with incomes above subsidy thresholds but insufficient financial resources for necessary housing and care. The report explores this growing issue and the implications for an increasingly diverse senior housing landscape.