It’s part of the American Dream: Americans approach or enter retirement with a home that’s owned free and clear. The reality, at least for about 10 million Americans, is quite different, according to new research from LendingTree.

LendingTree used U.S. Census Bureau data to look at the share of homeowners who are 65 and older and still have a mortgage in each of the nation’s 50 largest metropolitan areas.

“We found across these 50 metros that an average of nearly 19% of homeowners who are 65 and older still have a mortgage,” the company wrote in its report. “Beyond that, we also found that homes owned by people in this age group tend to be less valuable than those owned by the general population — and that their monthly housing costs tend to be lower.”

Miami, Los Angeles, and Sacramento, Calif., have the largest share of 65-and-older homeowners with a mortgage, LendingTree found.

In addition, three Texas metros — Houston, Austin, and Dallas — have the smallest share of homeowners age 65+ with a mortgage.

“Typically, the homes owned by those 65 and older are worth less than those owned by the general population. Older homeowners’ homes are worth an average of $10,626 less than homes owned by the general population,” the company wrote.

The good news: even if they’re still paying off their mortgage, older homeowners usually have lower housing costs—their average monthly housing costs are $268 less than they are for the general population.

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