U.S. HOMEOWNER EQUITY EASES SLIGHTLY IN Q4 2025 WHILE SERIOUSLY UNDERWATER RATES STAY NEAR HISTORIC LOWS

U.S. HOMEOWNER EQUITY EASES SLIGHTLY IN Q4 2025 WHILE SERIOUSLY UNDERWATER RATES STAY NEAR HISTORIC LOWS

Nearly 45 Percent of Mortgaged Homes Remain Equity Rich Despite Quarterly Pullback; Seriously Underwater Share Edges Higher but Continues to Reflect Broad Equity Stability; Housing Market Shows Signs of Normalization

US home equity slips in Q4 2025, remains historically strong

A new ATTOM analysis released Tuesday shows that U.S. homeowners ended 2025 with slightly less equity than earlier in the year, but they still held historically strong positions as the housing market steadied after several years of rapid price gains. Attom’s Q4 2025 U.S. Home Equity and Underwater Report found that 44.6% of mortgaged residential properties were equity rich, meaning that loan balances totaled no more than half of the estimated ma…