Rural revitalization is a new concept for China.  China has become the world’s second-largest economy, but about 700 million people live in rural areas with an individual income of less than $7.50 per day. The Chinese government implements the new rural revitalization strategy that aims to reduce the gap between urban and rural residents by 2020 through reform of land management, social security system, infrastructure investment, and education system and technology innovation.  An unsupervised clustering algorithm was used to predict the trend of urban-rural integration development trend in China’s context of rural revitalization based on data from 2000 to 2017 obtained by the National Bureau of Statistics (NBS).The results showed that the housing reverse mortgage has significant wealth-increasing utility; the more obvious the utility of the retained house, the more effective it can raise the wealth level of the elderly; the higher the genetic motive and death rate, the less effect of the increase in wealth, the less obvious effect of individual income level on the increase of wealth. It is suggested that the government should advocate the new concept of old age, scientifically guide the elderly to participate in housing reverse mortgage business, and raise the living standard of old age.