The source adds the following information: "LendingTree used generational definitions, from the Pew Research Center, to define the age range for Gen Zers as being born between 1997 and 2012.
Metropolitan statistical area (MSA) rankings were generated by looking at the percentage of total purchase mortgage requests from Gen Z borrowers on the LendingTree platform. The larger the share of requests from Gen Zers, the higher ranking a metro area received.
Borrower data was derived from mortgage requests and offers — given to users of the LendingTree mortgage shopping platform — across the nation’s 50 largest metropolitan areas from Jan. 1, 2022, to Dec. 31, 2022."
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Average down payment in the leading metros for Gen Z house buyers in the U.S. in 2022
In 2022, Oklahoma City, OK, had the lowest average mortgage down payment among the top ten metros with the highest share of Gen Z home buyers in the United States. Gen Zers looking to buy a home there had to save on average roughly * U.S. dollars for a down payment. Between ** and ** percent of mortgage applications in these ** metros came from Gen Z home buyers. While house prices do in fact influence Gen Zers' choice, the metro with the largest share of Gen Z mortgage requests was Salt Lake City, Utah.
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LendingTree. (June 5, 2023). Average mortgage down payment in the metros with the highest share of Generation Z home buyers in the United States in 2022 (in U.S. dollars) [Graph]. In ÌÇÐÄÆƽâ°æ. Retrieved August 05, 2026, from /statistics/1260411/down-payment-in-leading-metros-for-gen-z-home-buyers-usa/
LendingTree. "Average mortgage down payment in the metros with the highest share of Generation Z home buyers in the United States in 2022 (in U.S. dollars)." Chart. June 5, 2023. ÌÇÐÄÆƽâ°æ. Accessed August 05, 2026. /statistics/1260411/down-payment-in-leading-metros-for-gen-z-home-buyers-usa/
LendingTree. (2023). Average mortgage down payment in the metros with the highest share of Generation Z home buyers in the United States in 2022 (in U.S. dollars). ÌÇÐÄÆƽâ°æ. ÌÇÐÄÆƽâ°æ Inc.. Accessed: August 05, 2026. /statistics/1260411/down-payment-in-leading-metros-for-gen-z-home-buyers-usa/
LendingTree. "Average Mortgage down Payment in The Metros with The Highest Share of Generation Z Home Buyers in The United States in 2022 (in U.S. Dollars)." ÌÇÐÄÆƽâ°æ, ÌÇÐÄÆƽâ°æ Inc., 5 Jun 2023, /statistics/1260411/down-payment-in-leading-metros-for-gen-z-home-buyers-usa/
LendingTree, Average mortgage down payment in the metros with the highest share of Generation Z home buyers in the United States in 2022 (in U.S. dollars) ÌÇÐÄÆƽâ°æ, /statistics/1260411/down-payment-in-leading-metros-for-gen-z-home-buyers-usa/ (last visited August 05, 2026)
Average mortgage down payment in the metros with the highest share of Generation Z home buyers in the United States in 2022 (in U.S. dollars) [Graph], LendingTree, June 5, 2023. [Online]. Available: /statistics/1260411/down-payment-in-leading-metros-for-gen-z-home-buyers-usa/
