{"id":83646,"date":"2026-01-26T05:00:58","date_gmt":"2026-01-26T13:00:58","guid":{"rendered":"https:\/\/www.redfin.com\/news\/?p=83646"},"modified":"2026-01-28T13:17:07","modified_gmt":"2026-01-28T21:17:07","slug":"homeownership-rate-by-generation-2025","status":"publish","type":"post","link":"https:\/\/www.redfin.com\/news\/homeownership-rate-by-generation-2025\/","title":{"rendered":"More Gen Zers are Buying Homes. But It\u2019s a Trickle, Not a Flood."},"content":{"rendered":"<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong><i>Homeownership for young Americans is a mixed bag. The homeownership rate for Gen Zers and millennials is ticking up, but both generations are tracking behind their parents.\u00a0<\/i><\/strong><\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong><i>The homeownership rate for younger generations inched up from 2024 to 2025 because affordability and inventory improved slightly. But it didn\u2019t surge, because housing costs remained historically high, and many young buyers were turned off by economic uncertainty.<\/i><\/strong><\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong><i>20-somethings and 30-somethings both made up a bigger piece of the homebuying pie in 2025 than they did the year before.\u00a0<\/i><\/strong><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Gen Z\u2019s homeownership rate ticked up in 2025: More than one-quarter (27.1%) of Gen Zers nationwide owned their home, up from 26.1% a year earlier. Millennials also eked out a gain in their homeownership rate, to 55.4% from 54.9% a year earlier; it\u2019s natural that millennials gain is smaller than that of Gen Z because they\u2019re older and have had more time to buy homes.\u00a0<\/span><\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone wp-image-83647 size-full\" src=\"https:\/\/www.redfin.com\/news\/wp-content\/uploads\/2026\/01\/unnamed-2.png\" alt=\"\" width=\"550\" height=\"419\" srcset=\"https:\/\/www.redfin.com\/news\/wp-content\/uploads\/2026\/01\/unnamed-2.png 550w, https:\/\/www.redfin.com\/news\/wp-content\/uploads\/2026\/01\/unnamed-2-300x229.png 300w\" sizes=\"(max-width: 550px) 100vw, 550px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">This is according to a Redfin analysis of th<\/span><span style=\"font-weight: 400;\">e Current Population Survey\u2019s Annual Social and Economic Supplement. Please note that in this report, homeownership rate refers to the share of households headed by Gen Zers, millennials, Gen Xers or baby boomers that are owner-occupied; people who are living with their parents or other family members are not included in the calculation for their generation.\u00a0 <\/span><span style=\"font-weight: 400;\">Gen Zers were <\/span><a href=\"https:\/\/www.beresfordresearch.com\/age-range-by-generation\/\"><span style=\"font-weight: 400;\">13-28 years old<\/span><\/a><span style=\"font-weight: 400;\"> in 2025; only adult Gen Zers (19-28 years old) were included in this analysis. Millennials were 29-44 in 2025, Gen Xers were 45-60, and baby boomers were 61-79. More on methodology is available at the end of this report.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For older generations, homeownership is holding steady at already-high levels. Just under three-quarters (72.7%) of Gen Xers owned their home in 2025, essentially unchanged from 72.9% a year earlier; for baby boomers, the rate was 79.9%, compared with 79.6% a year earlier. Higher homeownership rates for older generations is to be expected, as they have had longer to amass money to buy homes, and many older Americans found it easier to buy homes because costs were lower in past decades.<\/span><\/p>\n<h3><strong>Bump in Homeownership For Young Americans is Gradual<\/strong><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The uptick in homeownership for Gen Zers is meaningful, but not explosive. For millennials, the increase represents stability. While affordability improved slightly in 2025 from the year before and supply rose, high costs and economic uncertainty continued to act as a roadblock:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The weekly average mortgage rate fell from to about 6.2% from 7% at the start of 2025, and home-price growth <\/span><a href=\"https:\/\/www.redfin.com\/news\/housing-supply-falls-november-2025\/\"><span style=\"font-weight: 400;\">lost steam<\/span><\/a><span style=\"font-weight: 400;\"> throughout the year. As a result, monthly housing costs dipped to their <\/span><a href=\"https:\/\/www.redfin.com\/news\/housing-market-update-housing-payments-lowest-level-2-years\/\"><span style=\"font-weight: 400;\">lowest level<\/span><\/a><span style=\"font-weight: 400;\"> in two years by the end of 2025. Average <\/span><a href=\"https:\/\/www.atlantafed.org\/chcs\/wage-growth-tracker\"><span style=\"font-weight: 400;\">wages have increased<\/span><\/a><span style=\"font-weight: 400;\"> in recent years, too. That opened the door for some young people to break into the market.\u00a0<\/span><\/li>\n<li aria-level=\"1\"><span style=\"font-weight: 400;\">More sellers put their homes on the market; the <\/span><a href=\"https:\/\/www.redfin.com\/news\/existing-home-sales-six-month-low\/\"><span style=\"font-weight: 400;\">increase in inventory<\/span><\/a><span style=\"font-weight: 400;\"> gave buyers more to choose from. <\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">But <\/span><a href=\"https:\/\/www.freddiemac.com\/pmms\"><span style=\"font-weight: 400;\">mortgage rates<\/span><\/a><span style=\"font-weight: 400;\"> are still double their pandemic-era lows of roughly 3%, and while price growth has decelerated, home prices remain historically high. So while affordability is slowly improving in several parts of the U.S., <\/span><a href=\"https:\/\/www.redfin.com\/news\/income-needed-to-afford-home-august-2025\/\"><span style=\"font-weight: 400;\">homebuyers still need to earn $112,000<\/span><\/a><span style=\"font-weight: 400;\"> to afford the median-priced U.S. home\u2013roughly $25,000 more than the median U.S. income. High housing costs are a bigger obstacle for young people than older people because they\u2019re less likely to already own a home, meaning they can\u2019t use equity to purchase their next house.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Widespread economic uncertainty also put the kibosh on homebuying plans for many young Americans, with things like <\/span><a href=\"https:\/\/www.redfin.com\/news\/survey-tariffs-major-purchase\/\"><span style=\"font-weight: 400;\">tariffs<\/span><\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/www.redfin.com\/news\/survey-job-security-2025\/\"><span style=\"font-weight: 400;\">lack of job security<\/span><\/a><span style=\"font-weight: 400;\"> delaying major purchases.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Age is also a factor. Gen Zers and millennials turned one year older in 2025, aging more and more into homeownership. Millennials and older Gen Zers are in their peak homebuying years; they\u2019re growing their careers, earning more money, paying down student debt, and some are feeling ready to trade rent for a mortgage. But many others\u2013particularly younger Gen Zers\u2013haven\u2019t reached their peak earning years, haven\u2019t had time to save for a down payment, and don\u2019t have the funds for homeownership.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cThe reality is that with housing costs still historically high, many young Americans are making compromises on location, size or timing to get their foot in the homeownership door and start building equity,\u201d said <\/span><a href=\"https:\/\/www.redfin.com\/news\/author\/asad-khan\/\"><span style=\"font-weight: 400;\">Asad Khan<\/span><\/a><span style=\"font-weight: 400;\">, a senior economist at Redfin. \u201cGen Zers and millennials are making small gains in homeownership because they\u2019re eager to buy, they\u2019re making sacrifices, and because affordability has improved a bit at the margins\u2013not because homes suddenly became affordable. We expect the slow progress to continue this year, with housing costs dipping slightly while wages rise.\u201d<\/span><\/p>\n<h3><strong>38% of the Oldest Gen Zers Own Their Home, Compared to 43% of Their Parents at the Same Age<\/strong><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">We also took a look at homeownership data over time, which reveals that it was more common for young people to own homes in the past.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Take 28-year-olds as an example: 38.3% of 28-year-old Gen Zers owned their home in 2025, compared to 42.5% of Gen Xers when they were 28 and 44.4% of baby boomers when <\/span><i><span style=\"font-weight: 400;\">they <\/span><\/i><span style=\"font-weight: 400;\">were 28.\u00a0<\/span><\/p>\n<p><img decoding=\"async\" class=\"alignnone wp-image-83648 size-full\" src=\"https:\/\/www.redfin.com\/news\/wp-content\/uploads\/2026\/01\/unnamed-3.png\" alt=\"\" width=\"551\" height=\"442\" srcset=\"https:\/\/www.redfin.com\/news\/wp-content\/uploads\/2026\/01\/unnamed-3.png 551w, https:\/\/www.redfin.com\/news\/wp-content\/uploads\/2026\/01\/unnamed-3-300x241.png 300w\" sizes=\"(max-width: 551px) 100vw, 551px\" \/><\/p>\n<h3><strong>57% of Mid-Thirties Americans Own Their Home, Compared to 64% of Their Parents at the Same Age<\/strong><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Moving on to a millennial example, 57.2% of 36-year-olds owned their home in 2025, compared to 61.2% of Gen Xers and 63.7% of baby boomers when they were 36.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The comparatively low share of young homeowners today stems mostly from a relative lack of affordability. But it\u2019s also because young adults are reaching milestones <\/span><a href=\"https:\/\/www.pewresearch.org\/short-reads\/2023\/05\/23\/young-adults-in-the-u-s-are-reaching-key-life-milestones-later-than-in-the-past\/\"><span style=\"font-weight: 400;\">later in life<\/span><\/a><span style=\"font-weight: 400;\"> than they used to. For instance, the average first-time mother in the U.S. is <\/span><a href=\"https:\/\/www.usatoday.com\/story\/news\/health\/2024\/05\/18\/graphics-show-changing-trend-average-age-parents\/73707908007\/\"><span style=\"font-weight: 400;\">27.5<\/span><\/a><span style=\"font-weight: 400;\">, up from 24.9 two decades ago.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It\u2019s worth noting that the oldest Gen Zers are making more significant progress than younger ones. Just over 38% of 28-year-olds own their home, compared to 31.6% of 27-year-olds and 27.2% of 25-year-olds, and higher than millennials\u2019 rate of 36.8% when <\/span><i><span style=\"font-weight: 400;\">they <\/span><\/i><span style=\"font-weight: 400;\">were 28.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201c25-year-olds aren\u2019t driving demand, but a fair amount of people in their thirties are moving out to the suburbs with their kids,\u201d said <\/span><a href=\"https:\/\/www.redfin.com\/real-estate-agents\/brenda-beiser\"><span style=\"font-weight: 400;\">Brenda Beiser<\/span><\/a><span style=\"font-weight: 400;\">, a Redfin Premier agent in <a href=\"https:\/\/www.redfin.com\/city\/15502\/PA\/Philadelphia\">Philadelphia<\/a>. \u201cThe other pattern with younger buyers is that they want to be in specific neighborhoods, suburbs with highly rated schools and homes with enough space for a family\u2013but that type of house is hard to find, because the older people living in them are locked in by low mortgage rates. I\u2019m hoping more new listings emerge in the spring.\u201d<\/span><\/p>\n<h3><strong>20-Somethings Took Up Bigger Piece of Homebuying Pie in 2025<\/strong><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">We also took a look at the <\/span><i><span style=\"font-weight: 400;\">share <\/span><\/i><span style=\"font-weight: 400;\">of home purchases made by each age group in 2025. The findings align with the uptick in Gen Z\u2019s homeownership rate; they show that younger adults are gaining ground in the housing market.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Young adults (19-29 years old) took ownership of nearly one in five (18.5%) of all homes that changed hands in the U.S. in 2025, up from 14.4% the year before. The next-youngest age group, 30-39 year olds, bought the lion\u2019s share of homes: 26%, up slightly from 25% the year before.\u00a0<\/span><\/p>\n<p><img decoding=\"async\" class=\"alignnone wp-image-83649 size-full\" src=\"https:\/\/www.redfin.com\/news\/wp-content\/uploads\/2026\/01\/unnamed-4.png\" alt=\"\" width=\"555\" height=\"429\" srcset=\"https:\/\/www.redfin.com\/news\/wp-content\/uploads\/2026\/01\/unnamed-4.png 555w, https:\/\/www.redfin.com\/news\/wp-content\/uploads\/2026\/01\/unnamed-4-300x232.png 300w\" sizes=\"(max-width: 555px) 100vw, 555px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Despite affordability strains, more people in their twenties are finding ways to buy despite high prices and mortgage rates, often by purchasing smaller homes, moving to more affordable metros, or leaning on family help. And it stands to reason that 30-39 year olds are buying more homes than any other age group, as they\u2019re in their prime buying years, moving for new jobs, new relationships, new babies, or new adventures.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Younger generations took up a bigger piece of the homebuying pie in 2025, compared to older Americans. People who are 60 and older bought 23% of homes in 2025, down from 30% the year before.\u00a0<\/span><\/p>\n<h3><strong>Methodology<\/strong><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The data in this report <\/span><span style=\"font-weight: 400;\">was calculated using the Current Population Survey\u2019s Annual Social and Economic Supplement, from 1976 to 2025, and monthly IPUMS CPS data for 2025 through August. The data was accessed using IPUMS-CPS*.<\/span><span style=\"font-weight: 400;\"> The homeownership rate is defined as the percentage of household heads who own a home versus rent, broken down by generation. Note that<\/span><span style=\"font-weight: 400;\"> people who are living with their parents or other family members are not included in the calculation for their generation.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Gen Zers were <\/span><a href=\"https:\/\/www.beresfordresearch.com\/age-range-by-generation\/\"><span style=\"font-weight: 400;\">13-28 years old<\/span><\/a><span style=\"font-weight: 400;\"> in 2025 (born 1997-2012); only adult Gen Zers (19-27 years old) were included in this analysis. Millennials were 29-44 (born 1981-1996) in 2025, Gen Xers were 45-60 (born 1965-1980), and baby boomers were 61-79 (born 1946-1964).\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For the section on home purchases by generation, please note that the word \u201cpurchase\u201d refers to the number of household heads who reported moving to a new home in the past year and owning their new home, by age group. While the vast majority of those moves are the result of a home purchase, some are the result of an inheritance or other property transfer.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">*<\/span><i><span style=\"font-weight: 400;\">Sarah Flood, Miriam King, Renae Rodgers, Steven Ruggles, J. Robert Warren, Daniel Backman, Annie Chen, Grace Cooper, Stephanie Richards, Megan Schouweiler, and Michael Westberry. IPUMS CPS: Version 12.0 [dataset]. Minneapolis, MN: IPUMS, 2024.\u00a0<\/span><\/i><\/p>\n<p><a href=\"https:\/\/doi.org\/10.18128\/D030.V12.0\"><i><span style=\"font-weight: 400;\">https:\/\/doi.org\/10.18128\/D030.V12.0<\/span><\/i><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Homeownership for young Americans is a mixed bag. The homeownership rate for Gen Zers and millennials is ticking up, but both generations are tracking behind their parents.\u00a0 The homeownership rate for younger generations inched up from 2024 to 2025 because affordability and inventory improved slightly. But it didn\u2019t surge, because housing costs remained historically high, [&hellip;]<\/p>\n","protected":false},"author":13153,"featured_media":83652,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[27,8],"tags":[704,20,623],"dashboard":[],"coauthors":[124],"class_list":["post-83646","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-affordability","category-housing-market-news","tag-gen-z","tag-housing-affordability","tag-national"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.7 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>More Gen Zers are Buying Homes. 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