Best In 55+ Real Estate™
2026-09-22
🏆 Ranked #1 Most Free-and-Clear 55+ County in America — ALEX Intelligence, 2026.
In the top 10% of U.S. counties by 65+ population share, Lajas Municipio leads with 77.8% of homes owned free and clear—a benchmark of generational financial discipline. This isn't just about age; it’s about timing, wealth accumulation, and strategic housing choices made decades before retirement. For active-adult communities, true independence comes not from reverse mortgages or downsizing, but from homes already free of debt.
The data from ALEX Intelligence’s 2026 analysis shows that financial resilience in retirement is less about liquidity and more about legacy.
Top 10 Counties with Highest Share of Homes Owned Free and Clear Among 65+ Residents (ALEX Intelligence — 2026)
#1 Lajas Municipio <- this market
#2 San Germán Municipio
#3 Mayagüez Municipio
#4 Fayette County
#5 Taos County
#6 Lincoln County
#7 Grant County
#8 Highlands County
#9 Huron County
#10 Wood County
Source: https://alex-companies.com/data/2026-09-22-fifty-five-plus-fifty-five-plus-free-and-clear-county-us-senior
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Real Estate Strategy & Intelligence Leader. Democratized Blue Ocean Strategist & Operator.
Diane Hart Alexander, MBA, MHA
Chair & CEO, ALEX Companies
Designated Broker, Alexander Tiffany Southwest, LLC dba ALEX.realestate, et.al.
Texas License #574877-B · Broker License #565194-BB
[email protected] · +1 713.591.9902
Source data: Source: U.S. Census Bureau, American Community Survey 5-Year Estimates, 2024 · ALEX Intelligence computation
Licensed by the Texas Real Estate Commission. Broker: Alexander Tiffany Southwest, LLC · License #565194-BB.
Diane Hart Alexander, Chair & CEO, ALEX Companies · Designated Broker · #574877-B · George Arnold Alexander III, Director, ALEX Companies · Associate Broker · #574878-B
Texas Real Estate Commission Information About Brokerage Services · TREC Consumer Protection Notice · trec.texas.gov
Diane Hart Alexander, Chair & CEO, ALEX Companies · Designated Broker · #574877-B · George Arnold Alexander III, Director, ALEX Companies · Associate Broker · #574878-B
Texas Real Estate Commission Information About Brokerage Services · TREC Consumer Protection Notice · trec.texas.gov


