Recent research has shown that divorce reduces the likelihood of home-ownership. Even in later life, ever-divorced men and women display lower home-ownership rates than their married counterparts. There is, however, a lack of knowledge about the consequences of divorce for a majority of divorcees: those who remain in home-ownership or move back into home-ownership after an episode in rental housing. This paper investigates the economic costs of divorce by focusing on the housing wealth of ever-divorced home-owners in later life (age 50 and over), against the background of changing welfare and housing regimes. The empirical analysis is based on data from ten European countries that participated in the third and fourth waves of the Survey of Health, Ageing and Retirement in Europe (SHARE 2007/8 and 2011/2). Our analyses support an association between divorce experience and lower housing wealth holdings for men and women who remain in home-ownership after a divorce, or re-enter home-ownership after a spell in rental housing. This means that a divorce has negative housing consequences for a broader range of individuals than thus far assumed. In countries with a dynamic housing market and a deregulated housing finance system, ever-divorced home-owners are worse off than their married counterparts. In these countries, more elderly individuals with a weaker financial situation are able to remain in or regain access to (mortgaged) home-ownership, but at the cost of lower housing equity. Further research should focus on the implications (e.g. for wellbeing, economic position) of such cross-country variations.

Family resources may play an important role in the wellbeing of older people. In this paper, we examine the association between living arrangement and cognitive decline among people over 65 living in different European countries. The underlined hypothesis is that living with others (i.e. spouse or/and children) vis-à-vis living alone may have a positive role in maintaining cognitive functioning, but also that such beneficial influence varies according to the circumstances. To this end, we used data from the first two waves of the Survey of Health, Ageing and Retirement in Europe (SHARE), which provides indicators of several cognitive functions: orientation, immediate recall, delayed recall, verbal fluency and numeracy. Net of both the potential biases due to the selective attrition and the re-test effects, the evidence shows that the association between living arrangement and cognitive decline depends on the geographical area and on the starting level of cognitive function.