In theory, many middle-income, older homeowners could use the equity in their homes to cover the costs of the long-term, in-home services and supports they are likely to need as they age. In practice, however, few choose to do so. Samara Scheckler will discuss new research that estimates how much equity could be tapped by older, middle-income homeowners, especially in California, and assesses barriers to using that equity to pay for care.