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Material costs are up 6.7% since March, and NAHB's overall remodeling sentiment dipped a point. But the $20,000-$50,000 project range, where most aging-in-place work lives, posted the strongest gain of any segment on the index. Here's what that split actually means if you're scoping this work right now.

The share of remodelers doing aging-in-place work just hit its lowest point since NAHB started tracking it in 2004. Client demand didn't go anywhere — receptiveness and familiarity are near record highs.

Most families assume home modifications are entirely out-of-pocket. They aren't. Federal, VA, and state Medicaid programs exist to help cover the cost — but only if someone knows to ask the right questions.