Here is an example. Picture an older woman who reads about home sharing in her church bulletin and asks her grown son a fair question over coffee: "If so many people need a room, why has nobody ever asked me about mine?"
She has two empty bedrooms and a quiet street. Until that bulletin, no one had ever put the question to her in a way that invited a real answer, whether that answer turned out to be yes or no.
That gap between people with rooms and people looking for them is one of the most common stories in home sharing, and one that partners, funders, and local leaders can do something about.
What to know
Home sharing programs regularly report more people looking for a room than offering one. HomeShare Vermont told VTDigger it typically sees three to four home seekers for every home provider (VTDigger, 2022). Home Match San Francisco says "the real gap is reaching people with space" (SFGATE, sponsored content).
Even well-funded efforts can start slowly. The City of Portland launched a 12-month home sharing pilot in February 2026 with $500,000 in city funding, first offering a home provider $1,000 for the first qualifying room (City of Portland launch announcement). According to HomeShare America's review of the pilot, it drew five applications in its first four months (Housing Capacity Parity). On July 9, 2026, the city raised its grants to $1,500 for the first room and $750 for each additional room (Portland.gov home sharing pilot program).
Why it exists
Safety, privacy, benefits, insurance, and family concerns all land hardest on the home provider. A home seeker often has an urgent need: rent went up, a lease ended, a job moved. A home provider has a choice, and much of the risk of that choice can feel like it sits on their side of the kitchen table.
There is also a reach problem. A person who needs a room goes looking. An older homeowner with an empty bedroom may not be looking for anything, so if they are going to hear about home sharing at all, the information has to travel to them.
Why it deserves respect
Opening your home is a bigger decision than looking for a room: a new person at the breakfast table, new sounds at night, new questions from the family. Hesitation is a reasonable response. The job of outreach is not to talk anyone out of it. It is to answer the questions behind it clearly enough that a homeowner can make a real decision. For some, that decision will be no, and that is a fine answer.
What the evidence tells us
The rooms exist on paper. HomeShare America's analysis of Census data (American Community Survey 2023) estimates that older adults own 35 million spare bedrooms, nearly eight for every older adult who rents and spends too much on housing, and that 12.2 million older households spend more on housing than is recommended (The Rooms Already Exist).
A spare bedroom in a survey is not the same as a room someone is willing or able to share. Some are used for family visits or hobbies, some are far from where home seekers need to live, and some owners simply prefer living alone. Trust, clear information, location, and fit matter as much as space.
Incentives and outreach can help homeowners who are already open to the idea come forward. San Mateo County reports that its $300,000 campaign, which included home provider incentives, was followed by an increase in HIP Housing's matches from 120 to 150 in a year (San Mateo County). That is a county-reported result, not an independent evaluation, and it does not separate the effect of the campaign from other changes that year.
For funders, the point is modest but real: outreach and support for home providers can make use of rooms that already exist, though matching still takes trusted tools, outreach, and funding.
Ways to lower the barrier
- Fund home provider incentives, and study them. Portland's pilot and San Mateo County's campaign both suggest that a clear, respectful reason to consider sharing can matter. Track results so others can learn.
- Reach older homeowners where they already are. Area Agencies on Aging, faith communities, community centers for older adults, libraries, and utility or property tax mailings all reach people who would never search for "home sharing."
- Answer the hard questions up front. The first conversation should cover safety, benefits, insurance, and what happens if a match ends.
- Check benefits before promoting payments. An incentive or rent may affect some benefits, and the answer depends on the program. Before promoting payments, ask: Does this payment count as income for SSI, Medicaid, SNAP, or housing assistance? Does it matter whether it is paid once or monthly? A benefits office or legal aid can help.
- Put home providers in your messaging. Show older adults who share their homes as equals making their own choice, not as people being rescued.
Conversation starters
If you are an adult child or friend raising home sharing with an older adult or local leaders:
- "Would you want to hear how home sharing works where you live? If we look into it and it is not for you, that is a fine answer."
- "Dad, if you ever considered sharing a room, what would you need to know first?"
- "Portland and San Mateo County have tried home provider incentives. Could our city look at what they learned?"
If you are an older adult talking with family, caregivers, or local leaders:
- "I have space, and I would look into this carefully if I knew who to call. I may still decide it is not for me."
- "Nobody has ever asked me about my spare room. Could your newsletter or mailings explain the option, including the downsides?"
- "What would you need from people like me to help design a program here?"
A spare bedroom is only part of the picture. Trust, clear information, and a good fit matter just as much.
Home sharing and older adults
Home sharing works at any age. Older adults are one of the fastest-growing groups sharing a home with someone who is not family: households headed by someone 65 or older that share with unrelated people grew 2.7 times from 2005 to 2023 (Eye On Housing). Most householders 65 and older, 78.6%, own their homes (U.S. Census Bureau).
Where to get help
- Eldercare Locator, 1-800-677-1116: find your local Area Agency on Aging, a natural outreach partner.
- BenefitsCheckUp: see which benefits an older adult receives or may qualify for before discussing payments.
- State Health Insurance Assistance Program: free help with how income may affect Medicare-related programs.
- Free legal help for older adults or LawHelp.org: questions about benefits rules and agreements.
This post shares general information, not legal, tax, or benefits advice. Before offering or accepting an incentive payment, check with the benefits office for each program involved or a qualified advisor.
