By Sabrina Karl

There’s no shortage of rankings on the internet guiding you to the “best” retirement cities and states. But even if you plan to stay in your own community or house, there are smart ways to prepare your home to be retirement friendly.

First to consider is whether you’ll carry a mortgage in retirement. There are good arguments on either side of this issue, depending on the size of your mortgage and how low your rate is. In any case, contemplate this carefully to decide what’s right for you.

Second, do you aim to stay in your house as long as possible? For some, the answer is an easy and emphatic yes. But for others, the appeal of downsizing is strong. Still others may wish to move closer to kids and grandkids.

Wherever you live, consider what house layouts will work well for you as you age. Obvious considerations are having a first-floor bedroom and full bath. Without these, you’ll be forced to climb stairs at least twice a day, which could one day prove difficult or impossible.

Barring the need for wheelchair modifications, many changes that make senior living safer and easier in your home are fairly modest undertakings. These include installing grab bars in your shower, changing round door knobs for lever-style hardware, and replacing lighting with LED bulbs that won’t need changing for years.

Staying in your existing home may also call for a more significant remodel of your bathroom, for instance installing a no-step shower, bath or shower seating, and slip-resistant flooring.

For those staying in a home, it can be smart to undertake some of these more costly changes while still working. Predictable upcoming maintenance like a new roof or heating system can also be wise to take care of while you’re still receiving a paycheck.