In 2025, the share of homeowner equity in the United States amounted to percent. This was a substantial increase since the period following the Subprime mortgage crisis, when the ratio fell below ** percent. Home equity value is calculated by subtracting the value of remaining mortgage debt from the market value of the real estate property. That means that the ratio share of home equity to real estate property value increases as the debtor pays off the mortgage.Â
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St. Louis Fed. (March 19, 2026). Share of homeowner equity in real estate property in the United States from 1990 to 2025 [Graph]. In ÌÇÐÄÆƽâ°æ. Retrieved August 04, 2026, from /statistics/375884/share-of-homeowner-equity-in-real-estate-usa/
St. Louis Fed. "Share of homeowner equity in real estate property in the United States from 1990 to 2025." Chart. March 19, 2026. ÌÇÐÄÆƽâ°æ. Accessed August 04, 2026. /statistics/375884/share-of-homeowner-equity-in-real-estate-usa/
St. Louis Fed. (2026). Share of homeowner equity in real estate property in the United States from 1990 to 2025. ÌÇÐÄÆƽâ°æ. ÌÇÐÄÆƽâ°æ Inc.. Accessed: August 04, 2026. /statistics/375884/share-of-homeowner-equity-in-real-estate-usa/
St. Louis Fed. "Share of Homeowner Equity in Real Estate Property in The United States from 1990 to 2025." ÌÇÐÄÆƽâ°æ, ÌÇÐÄÆƽâ°æ Inc., 19 Mar 2026, /statistics/375884/share-of-homeowner-equity-in-real-estate-usa/
St. Louis Fed, Share of homeowner equity in real estate property in the United States from 1990 to 2025 ÌÇÐÄÆƽâ°æ, /statistics/375884/share-of-homeowner-equity-in-real-estate-usa/ (last visited August 04, 2026)
Share of homeowner equity in real estate property in the United States from 1990 to 2025 [Graph], St. Louis Fed, March 19, 2026. [Online]. Available: /statistics/375884/share-of-homeowner-equity-in-real-estate-usa/
