Housing, home ownership and the governance of ageing

Active ageing' has become core to ageing policy internationally. This paper argues that housing, and specifically home purchase, is fundamental to the governance of active ageing in liberal welfare states such as Australia, the UK, the US and Canada. Specifically, the paper expands understanding of how neoliberally inflected active ageing agendas are advanced in conjunction with housing consumption, and builds new knowledge of the governance of asset-based welfare, the investor subject, and housing marginality, showing how these practices and identities are governed temporally through ideas about what it means to age well. Arguments are advanced through analysis of Australian government ageing and age-connected housing strategies in the 20 years to 2015. These strategies construct three key connections between housing and ageing. First, housing is framed as a base (or location) for active ageing, with secure, appropriate and affordable housing depicted as enabling participation. Second, home ownership is positioned as an individual responsibility. In this framing home ownership becomes a 'choice' and means through which individuals can demonstrate responsibility by self-insuring against the fiscal risks of older age. Third, home ownership is connected to the activation of ideal ageing identities by enabling home owners as productive agers (the home as a form of income) and active consumers (home as a resource to fund prudential and age-defying consumption in older age). Significantly, in framing home ownership as an individual responsibility and choice the importance of structural factors shaping housing access are downplayed. This is a question of key geographical significance, foregrounding an interlinked agenda of not just how, but where, ageing should take place.