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…

Homeowner Equity Eases Slightly as Housing Market Stabilizes - The MortgagePoint

The Q4 2025 U.S. Home Equity & Underwater Report from ATTOM reveals that in the fourth quarter, 44.6% of mortgaged residential properties nationwide were deemed equity-rich, indicating that the total estimated amount of loan balances secured by these properties was less than or equal to half of their estimated market values. The level represented a minor decrease from the estimated 46.1% recorded in Q3 2025 and a decline from the recent high of …

Homeownership Rate Inches Up to 65.7%

The latest homeownership rate rose to 65.7% in the last quarter of 2025, according to the Census’s Housing Vacancy Survey (HVS). While this was a modest quarterly increase, the broader picture continues to reflect significant affordability challenges. With mortgage interest rates remaining elevated, and housing supply still tight, housing affordability is at a multidecade low. […]