ArticleThe journals of gerontology. Series B, Psychological sciences and social sciences2025
Local cost of living, financial literacy, and housing hardship at older ages.
Article in The journals of gerontology. Series B, Psychological sciences and social sciences, 2025. The graph could read no effect estimate from its abstract, so it casts no vote on the map. Not yet cited in PubMed.
What it found
Each row is one number read from the abstract, on the scale the paper reported it, with its interval. Left of the dashed line favours the treatment, right favours the comparator. Under each row is the sentence it came from. New to these charts? A ten-minute tutorial.
The abstract states no effect estimate the extractor could read, or names no intervention and outcome on the map, so this paper lights no cell and moves no belief. It is still indexed, cited and linked below.
The trial behind it
Trials whose registry record cites this paper, or whose number appears in the abstract. A trial that started after this paper was published is citing it as background, not reporting it.
Neither the registry nor the abstract names a trial number. If this is a trial report, that itself is worth knowing.
Who cites it
0 citing papers in PubMed.
No citing paper in PubMed yet.
Corrections and comments
PubMed lists nothing against this paper. Absence here is not a guarantee, only a check that was made.
Authors and funding
3 authors.
Funding
No grant is acknowledged in the PubMed record.
Abstract
objectivesThe number of older adults struggling to afford housing continues to increase in the United States. Prior research offers limited insight into the individual and spatial contexts through which housing hardship is assessed, particularly neglecting differentials in individual financial literacy and spatially variable cost of living. This study investigates the association between income adjusted for costs of living at the county level and housing hardship in later life, alongside the moderating role of individual financial literacy.
methodsThe study draws from a unique data set linking the 2019 cross-section of the Understanding America Study (UAS; n = 2,857; adults aged 50+) and the 2019 Elder Index to capture county-level cost of living specific to older adults. A set of logistic regression models was analyzed to examine the association between income security and housing hardship.
resultsResults indicate that respondents with higher income adjusted for local costs are less likely to experience housing hardship, and that individual financial literacy reinforces this negative association. DISCUSSION: Findings underscore the empowering role of financial literacy in protecting against housing hardship in later life. Findings also show that a location-specific assessment of the cost of living adds to the accuracy of evaluations of housing hardship.
Indexed as
Identifiers
What OpenQuestion holds
Registered trials
Read under generation 80e0d062 · epoch 390. Bibliography from PubMed, PubMed Central and OpenAlex; grants from NIH RePORTER; trial links from ClinicalTrials.gov; estimates, votes and beliefs from the OpenQuestion graph.