The State of Homeownership in 2025: What Buyers, Sellers, and Agents Should Know
June is National Homeownership Month—a time to reflect on the value of homeownership and the evolving landscape that shapes it. At Ameris Bank, we believe that informed decisions lead to empowered homeowners. That’s why we’ve developed a new white paper, The State of U.S. Homeownership: Challenges and Opportunities for Prospective Homebuyers, to help buyers, sellers, and real estate professionals better understand the market in 2025.
“Homeownership has long been a cornerstone of the American Dream, representing stability, opportunity, and long-term financial growth,” said Robert Odom, president of the mortgage division at Ameris Bank. “In 2025, the housing and mortgage markets continue to evolve, shaped by both persistent challenges and encouraging trends. While affordability remains a concern, factors like improving inventory, steady wage growth, and shifting buyer demographics are contributing to a more balanced and resilient market.”
The white paper highlights several important developments in the housing market. Homeownership rates have dipped slightly in 2025, with affordability emerging as a top concern.1,2
At the same time, housing inventory is showing signs of improvement. The number of homes for sale has increased by more than 30% compared to last year, offering more options for buyers who may have struggled with limited availability in recent years.3
Demographic shifts are also playing a major role. First-time buyers are older and more diverse than ever before, with Millennials and Gen Z making up a growing share of the market.4 Meanwhile, wage growth is outpacing inflation, helping to offset some of the pressure from higher interest rates.5
The housing market in 2025 reflects a mix of ongoing challenges and emerging shifts. For buyers, homeowners, and real estate professionals, staying informed about current conditions—such as affordability pressures, demographic changes, and inventory trends—can support more confident decision-making.
This white paper offers a timely overview of where the market stands today, with data and context that help explain how homeownership is evolving.
The white paper provides a snapshot of today’s housing market, including data on affordability, buyer demographics, and inventory trends. It’s designed to offer context and clarity for anyone navigating homeownership in 2025.
Download the full white paper to explore the insights and opportunities that matter most in today’s housing market.
Sources:
1 https://www.census.gov/housing/hvs/current/index.html
2 https://www.nar.realtor/blogs/economists-outlook/trends-in-housing-affordability-who-can-currently-afford-to-buy-a-home
3 https://www.realtor.com/research/april-2025-data/
4 https://www.nar.realtor/sites/default/files/2025-04/2025-home-buyers-and-sellers-generational-trends-04-01-2025.pdf
5 https://www.bls.gov/news.release/pdf/eci.pdf
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. Ameris Bank is neither affiliated with nor endorses the National Association of Realtors, Realtor.com, Bureau of Labor Statics and the U.S. Census Bureau.
“Homeownership has long been a cornerstone of the American Dream, representing stability, opportunity, and long-term financial growth,” said Robert Odom, president of the mortgage division at Ameris Bank. “In 2025, the housing and mortgage markets continue to evolve, shaped by both persistent challenges and encouraging trends. While affordability remains a concern, factors like improving inventory, steady wage growth, and shifting buyer demographics are contributing to a more balanced and resilient market.”
Key Trends Shaping the Market
The white paper highlights several important developments in the housing market. Homeownership rates have dipped slightly in 2025, with affordability emerging as a top concern.1,2At the same time, housing inventory is showing signs of improvement. The number of homes for sale has increased by more than 30% compared to last year, offering more options for buyers who may have struggled with limited availability in recent years.3
Demographic shifts are also playing a major role. First-time buyers are older and more diverse than ever before, with Millennials and Gen Z making up a growing share of the market.4 Meanwhile, wage growth is outpacing inflation, helping to offset some of the pressure from higher interest rates.5
Why This Matters
The housing market in 2025 reflects a mix of ongoing challenges and emerging shifts. For buyers, homeowners, and real estate professionals, staying informed about current conditions—such as affordability pressures, demographic changes, and inventory trends—can support more confident decision-making.This white paper offers a timely overview of where the market stands today, with data and context that help explain how homeownership is evolving.
Explore the Full Report
The white paper provides a snapshot of today’s housing market, including data on affordability, buyer demographics, and inventory trends. It’s designed to offer context and clarity for anyone navigating homeownership in 2025.Download the full white paper to explore the insights and opportunities that matter most in today’s housing market.
Sources:
1 https://www.census.gov/housing/hvs/current/index.html
2 https://www.nar.realtor/blogs/economists-outlook/trends-in-housing-affordability-who-can-currently-afford-to-buy-a-home
3 https://www.realtor.com/research/april-2025-data/
4 https://www.nar.realtor/sites/default/files/2025-04/2025-home-buyers-and-sellers-generational-trends-04-01-2025.pdf
5 https://www.bls.gov/news.release/pdf/eci.pdf
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. Ameris Bank is neither affiliated with nor endorses the National Association of Realtors, Realtor.com, Bureau of Labor Statics and the U.S. Census Bureau.