Murphy is vice president of communications for the National Alliance to End Homelessness and a public voices fellow of The OpEd Project, in partnership with the UCSF Benioff Homelessness and Housing Initiative. Stevens is a program and policy analyst for the National Alliance to End Homelessness.
As Donald Trump and President Joe Biden continue their 2024 campaigns, Americans are asking difficult questions about aging: What does it mean when each nominee is over the age of 75? How will the impacts of aging affect their abilities to serve?
Meanwhile, those on the frontlines of America’s homelessness crisis are facing the aging question not from the perspective of the powerful and well-connected, but from the perspective of those with the fewest protections.
Older adults are the fastest growing age demographic of people experiencing homelessness. The latest federal data indicates that over 138,000 adults aged 55 and older were experiencing homelessness on a given night in 2023. Almost half were living on the streets or in locations not meant for human habitation.
As a society, this shift should force us all to reconsider our assumptions about who becomes homeless and why.
Stereotypes and misinformation are pernicious forces working against the efforts to end homelessness. Despite clear evidence that a prolonged nationwide affordable housing crisis is the primary driver of homelessness, many find it easier to embrace oversimplified narratives about addiction and mental illness. Despite proof that the nation’s social safety net insufficiently serves the nation’s most vulnerable, we insist on narratives that personal decisions are the cause of homelessness. Despite our nation’s history of racist housing policies, many deny that racial inequities cause Black and Brown people to disproportionately experience homelessness.
How do we reconcile those stereotypes against a wave of homeless older adults, a population we should honor and protect?
To start, we must come to understand their experiences.
On one hand, there is a cohort of people that is growing old on the streets. They have cycled in and out of homelessness for years, struggling to access consistent employment and housing. Their experiences have prematurely aged them, bringing the onset of chronic diseases that often go untreated to the point of medical crisis.
But there is an equally alarming trend of people who are becoming homeless for the first time in their older years.
Many have been financially insecure and precariously housed throughout their lives. Some have lost a partner or spouse, leaving them without needed income. Others have had their finances ravaged by health care costs, financial scams, predatory lending and the increasingly high costs of meeting their most basic needs. They are all suffering the effects of a frayed social safety net and rental market that is out of reach.
Unfortunately, their public benefits just don’t go far enough today: Although Social Security benefits increased by 8.7 percent in 2022, increases rarely topped 3 percent in the previous 30 years. Similarly, Supplemental Security Income has lagged far behind the cost of living, offering a mere average benefit of $552.29 in 2023. Meanwhile, health care costs force low-income Medicare patients to spend more of their limited income on premiums and other costs.
And, of course, the cost of housing has increased for decades. These costs — particularly crushing since the Covid-19 pandemic — left older adults with fewer affordable units, and less income to pay for rent. A new analysis confirms that the nation is short 7.3 million units of affordable and available housing for the lowest income renters.
Without immediate action, these forces will drive more and more of our elders into a homelessness system that cannot adequately care for them. Fortunately, our leaders can take action.
As a first step, Congress must ensure that all seniors have a place to live, with the supports to age in place. The best investment Congress can make is to expand the Housing Choice Voucher (Section 8 Housing) Program, which currently only serves about one quarter of the people in need of housing assistance. Similarly, investments in rental assistance programs would keep older adults (and other low-income Americans) in their homes.
Likewise, federal leaders must increase their support for housing programs that serve elders. Three important programs include the Section 202 Supportive Housing for the Elderly program, the USDA 515 Rural Rental Housing program, and the Section 811 Supportive Housing for Persons with Disabilities program. These programs were not consistently supported in the most recent federal budget; they will all need robust funding in the future if we intend to stem the flow of elders into homelessness.
Efforts will be even more successful if federal leaders also support programs that address the poverty rate among older adults, as well as programs that provide in-home support like home and community-based services.
Unfortunately, it isn’t enough to just stop the flow. Leaders must also commit the resources to ensure that homeless systems can meet the needs of an aging population. That includes investments in nursing home offerings and long term, respite, and in-home care. Medicaid expansion states are well positioned to fund these efforts. They must also support states in developing or expanding housing-related supports and services for Medicaid-eligible people with disabilities and older adults who are experiencing or at risk of homelessness.
No matter which presidential candidate wins the 2024 campaign, it is certain that each of them will be comfortably housed. Without urgent action, our nation is unable to make any such guarantee for similarly aged Americans.
Children watch a July Fourth Parade along the Walkway of Heroes and Independence Avenue on July 04, 2026 in Tappan, New York.
The Great American Grumpfest
Our nation’s 250th birthday party didn’t feel especially patriotic and wasn’t as much fun as the 200th anniversary was.
President Trump, who did his best to co-opt our holiday for his personal aggrandizement, was a major reason. The party he threw in Washington, D.C., was crankier than uplifting, and less about celebrating our shared past and a promising future than about reminding us how far we have strayed from our founders’ plan to create a republic that future Americans would keep in good working order.
Credit Trump this much. He has a singular gift for picking at scabs that other politicians would rather ignore and pushing us into reckonings we don’t need.
The thing is, Americans have seen all this before. Sometimes the makeover we were encouraged to undertake was more conservative, sometimes more liberal. Whatever direction we were pushing, however, the reckoning we had in mind this time had to be more forthright and the conclusion more definitive than it was the last time.
Our current discontents, the ones behind the reckoning President Trump has been trying to inspire, are not trivial. Included among them are immigration, birthright citizenship, exploding healthcare costs, election rigging, a gag-inducing national debt, how we educate our children, too many genders, racial differences we can’t move past, a lopsided economy that favors more well-off Americans, and historic levels of political corruption and graft. Add to these the several foreign adventures he has pushed us into or is anxious to undertake, and you have the makings of a national headache the likes of which we haven’t had in half a century.
All the elbow-throwing and overheated rhetoric we’re using today have begun to look almost normal in all the ways that bickering neighbors and feuding family members appear normal. But they have also made us look mean-spirited and have portrayed our differences as irreconcilable. To ourselves, of course, but also to many people outside the United States who might be forgiven for turning their heads and not looking at the national car wreck we Americans show no interest in avoiding.
The good news, as I suggested above, is that Americans have had a great deal of practice dealing with challenges and national car wrecks like these.
This essay begins to lay out the reasons why.
By way of illustration, we have our seemingly insatiable demand for more bad news about race in America.
Sixty years after being released from the legal constrictions that bedeviled both white and black Americans, many white people have come to believe the color that used to make them unassailable is now a sign of a moral inferiority born of a racial animus they can never wash off. Many black people, on the other hand, are insisting that America is as hopelessly stacked against them as the formerly unassailable white people’s ancestors used to tell their black ones.
The result is that many people today are buying into racist nightmares and mumbo jumbo that their black and white ancestors worked hard and effectively to put in each other’s heads.
This might be dismissed as crazy behavior if it weren’t so important to rituals Americans have long used to express their deepest fears about each other while figuring out what move they can make that won’t end with their world crashing down on everybody’s head.
Unfortunately, the kind of cultural sleight of hand we have used to ramp up our racial differences has been appropriated by people who have many other cultural fears and unresolved differences with each other. Their clumsy but culturally prescribed missteps are making all these other issues look as irremediable as our racial problems.
A good place to start an answer to how we back away from ledges is Alexis de Tocqueville’s writing on early-19th-century American democracy. He had an optimistic take on Americans’ unscripted displays of public bravado, recrimination, and payback.
For him, these were occasions when people tried to mitigate the effects of the unfair hand they were dealing someone else or had themselves been dealt by behaving in ways quite at odds with how they would otherwise be expected to act. These inversions of what Tocqueville called “the natural order of conscience” presented themselves as a loud but culturally muted challenge to the hypocrisies that people had built into the world they’d made together.
One of his favorite illustrations of early-American hypocrisy involved slave masters sleeping with their less-than-worthy slaves. To the best of my knowledge, he didn’t pick up on all the ways that slaves messed with their owners. Their well-chronicled and quiet resistance showed that even severely ill-treated people can exercise more control over their lives than outsiders appreciate.
Be that as it may, such inversions of a people’s “natural order of conscience” make a good public show of them wrestling with demons they can’t or may not want to shake off, but in any case, are nowhere close to figuring out how to cast out.
Implicit in these disruptions was the discomforting idea that people might flip the entire script and turn the world on its head in more permanent ways. That kind of flipping worked out better for us in our revolution against England than in our Civil War. These events taught us the value of stepping back from historically unprecedented ledges.
Americans of late have been giving loud expression to a long list of things they don’t like about each other and the last makeover they started but didn’t finish a half-century ago. The outcome of our fights today will be as revealing as they are embarrassing to everyone who imagined they could recast our country in a way that privileged their favorite kind of Americans.
Their disappointment with the accommodations they strike will be palpable, but the middling results they achieve with all their pushing and shoving won’t be anything they can’t live with.
Anthropologists who have written about such moments in other cultures less “advanced” than our own show that people find ways to work around their seemingly irreconcilable differences without ever fully resolving them. Indeed, the patches and repairs people make have the unheralded effect of reinforcing rather than undermining the legitimacy of the practices and values they thought were fundamentally flawed.
For example…
White guilt and black pessimism do more good than putting cash into the pockets of professional shamers and handwringers. They give the rest of us who don’t feel guilty or powerless more time to make the world less racially unequal. Good news.
Regarding illegal immigration, the entrance requirements for future immigrants will remain stringent. Americans will applaud the continued detention and deportation of the few illegal immigrants who commit serious crimes. Good news.
All the people who came to the United States without being legally vetted and were locked up for a time will be released in numbers small enough to avoid serious media attention. Along with the several million other good people who snuck in but avoided capture, the former detainees will go to school, find gainful employment, pay their taxes, and stay out of trouble. Many will eventually become citizens. Good news.
Investigations into election tampering and Donald Trump’s 2020 presidential loss will come to an unceremonious conclusion the day after his second term ends. Many Americans will grumble about this, but there will also be some quiet partying, too. Good and bad news.
Congressional hearings into all the grifting accomplished by people tied to the Trump administration will end without anyone having to pay a dime back to the American taxpayers. Bad news, we’ll learn to live with.
New laws and regulations will be created in the hope that the kind of corruption practiced by President Trump will not be repeated for another 250 years. Good news, I hope we’ll live long enough to enjoy.
Show trials for people who allegedly vandalized the Lincoln Memorial Reflecting Pool, if they happen, will get big television viewer ratings. Good news.
Trials for pardoned Capitol insurrectionists who committed serious crimes after their release should get more attention, but won’t. Bad news.
We will continue to hear nothing from most of the people who were pardoned for crimes they committed in the insurrection at the Capitol on January 6, 2021. They will keep their mouths shut and their heads down for the rest of their life. Good news.
The gold-gilded ornaments that Donald Trump had plastered all over the White House will be shipped to Mar-a-Lago, where the former president will sell them on eBay. Fun news.
American taxpayers end up paying for most of the new East Wing, the removal of the miniature gladiatorial arena that was built behind the White House, and the restoration of the White House rose garden. Bad news.
The Triumphal Arch was never built. Good news.
Trad wives and gay couples raise perfectly lovely children. Good but unsurprising news.
Trans men and women learn that most Americans can’t figure out who they used to be. No one gives a second thought to their use of “family bathrooms” or “unisex bathrooms” in public settings, businesses, and schools. Communities will sponsor athletic teams that have trans boys and girls just to show they can. Good news.
Budget deficits will be kicked down the road for someone else’s children to pay down. Bad news.
Federal agencies that had their budgets and employee ranks slashed during President Trump’s second term are getting some of the money and lost positions back. Good news.
Elite universities will buy their way out of DEI purgatory by competing for conservative scholars whose inflated salaries dwarf those of their liberal colleagues, who will think about suing their institutions for reverse discrimination but won’t be able to figure out who would pay for it or care. More fun news.
Okay. I’ve probably missed some ways that Americans will step back from the ledges they have been making noises about leaping off. But to the extent that my predictions pan out, the best and most important moral of the stories about us stepping away is this: everything we lost and took back, or had returned to us, will have happened without our government collapsing, civic traditions crumbling, or our people beating each other up.
The reason why is that the differences Americans have with each other really weren’t as irreconcilable as we made them out to be. The empty-sounding bromide that Americans have more that unites us than divides us turns out to be true, not just metaphorically but in fact.
Now that is really something to celebrate.
Daniel J. Monti (danieljmonti.com) is Professor of Sociology at Saint Louis University and the author of American Democracy and Disconsent: Liberalism and Illiberalism in Ferguson, Charlottesville, Black Lives Matter, and the Capitol Insurrection.