{"id":5286,"date":"2024-01-11T05:30:00","date_gmt":"2024-01-11T11:30:00","guid":{"rendered":"https:\/\/nwiloanguy.com\/blog\/the-dramatic-impact-of-homeownership-on-net-worth\/"},"modified":"2024-01-18T20:56:32","modified_gmt":"2024-01-19T02:56:32","slug":"the-dramatic-impact-of-homeownership-on-net-worth","status":"publish","type":"post","link":"https:\/\/nwiloanguy.com\/blog\/the-dramatic-impact-of-homeownership-on-net-worth\/","title":{"rendered":"The Dramatic Impact of Homeownership on Net Worth"},"content":{"rendered":"<p><img data-recalc-dims=\"1\" decoding=\"async\"  src=\"https:\/\/i0.wp.com\/files.keepingcurrentmatters.com\/KeepingCurrentMatters\/content\/images\/20240110\/20240111-The-Dramatic-Impact-of-Homeownership-on-Net-Worth.png?w=358&#038;ssl=1\" alt=\"The Dramatic Impact of Homeownership on Net Worth Simplifying The Market\" loading=\"lazy\" style=\"margin-bottom: 5px;clear: both;max-width: 100%\" \/><\/p>\n<p>If you&#8217;re trying to decide whether to rent or <a href=\"https:\/\/www.simplifyingthemarket.com\/2024\/01\/03\/thinking-about-buying-a-home-ask-yourself-these-questions\/?a=375140-ca8522ad04357da9549c08492a932f70\" rel=\"noopener noreferrer\" target=\"_blank\">buy a home<\/a> this year, here&#8217;s a powerful insight that could give you the clarity and confidence you need to make your decision.<\/p>\n<p>Every three years, the <em>Federal Reserve<\/em> releases the <a href=\"https:\/\/www.federalreserve.gov\/publications\/files\/scf23.pdf\" rel=\"noopener noreferrer\" target=\"_blank\">Survey of Consumer Finances<\/a> (SCF), which compares net worth for homeowners and renters. The latest report shows <strong>the average homeowner\u2019s net worth is almost 40X greater than a renter\u2019s<\/strong> (<em>see graph below<\/em>):<\/p>\n<p><a href=\"https:\/\/i0.wp.com\/files.keepingcurrentmatters.com\/KeepingCurrentMatters\/content\/images\/20240110\/20240111-Homeowner-Net-Worth-Almost-40x-greater.png?ssl=1\" rel=\"noopener noreferrer\" target=\"_blank\"><img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/files.keepingcurrentmatters.com\/KeepingCurrentMatters\/content\/images\/20240110\/20240111-Homeowner-Net-Worth-Almost-40x-greater.png?ssl=1\"><\/a><\/p>\n<p><\/p>\n<p>One reason a wealth gap exists between renters and <a href=\"https:\/\/www.simplifyingthemarket.com\/2023\/11\/23\/why-homeowners-are-thankful-they-own\/?a=375140-ca8522ad04357da9549c08492a932f70\" rel=\"noopener noreferrer\" target=\"_blank\">homeowners<\/a> is because when you\u2019re a homeowner, your <a href=\"https:\/\/www.simplifyingthemarket.com\/2023\/08\/07\/four-ways-you-can-use-your-home-equity\/?a=375140-ca8522ad04357da9549c08492a932f70\" rel=\"noopener noreferrer\" target=\"_blank\">equity<\/a> grows as your home appreciates in value and you make your mortgage payment each month. When you own a home, your monthly mortgage payment acts like a form of forced savings, which eventually pays off when you decide to sell. As a renter, you\u2019ll never see a financial return on the money you pay out in rent every month. Ksenia Potapov, Economist at <em>First American<\/em>, <a href=\"https:\/\/blog.firstam.com\/economics\/building-wealth-brick-by-brick\" rel=\"noopener noreferrer\" target=\"_blank\">explains<\/a> it like this:<\/p>\n<blockquote><p><em>\u201cRenters don\u2019t capture the wealth generated by house price appreciation, nor do they benefit from the equity gains generated by monthly mortgage payments . . .\u201d<\/em><\/p><\/blockquote>\n<h4><strong>The Largest Part of Most Homeowner Net Worth Is Their Equity<\/strong><\/h4>\n<p>Home <a href=\"https:\/\/www.simplifyingthemarket.com\/2023\/08\/15\/equity-is-a-game-changer-for-homeowners-looking-to-sell\/?a=375140-ca8522ad04357da9549c08492a932f70\" rel=\"noopener noreferrer\" target=\"_blank\">equity<\/a> does more to build the average household\u2019s wealth than anything else. According to data from <a href=\"https:\/\/blog.firstam.com\/economics\/building-wealth-brick-by-brick\" rel=\"noopener noreferrer\" target=\"_blank\"><em>First American<\/em><\/a><em> <\/em>and<em> <\/em>the<em> <\/em><a href=\"https:\/\/www.federalreserve.gov\/econres\/scfindex.htm\" rel=\"noopener noreferrer\" target=\"_blank\"><em>Federal Reserve<\/em><\/a>, this holds true across different income levels (<em>see graph below<\/em>):<\/p>\n<p><a href=\"https:\/\/i0.wp.com\/files.keepingcurrentmatters.com\/KeepingCurrentMatters\/content\/images\/20240110\/20240111-housing-piece-of-net-worth-is-crucial.png?ssl=1\" rel=\"noopener noreferrer\" target=\"_blank\"><img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/files.keepingcurrentmatters.com\/KeepingCurrentMatters\/content\/images\/20240110\/20240111-housing-piece-of-net-worth-is-crucial.png?ssl=1\"><\/a><\/p>\n<p><\/p>\n<p>The blue segment in each bar represents how much of a homeowner&#8217;s net worth comes from their home equity. Based on this data, it&#8217;s clear no matter what your income level is, owning a home can really boost your wealth. Nicole Bachaud, Senior Economist at <em>Zillow<\/em>, shares:<\/p>\n<blockquote><p><em>\u201cThe biggest asset most people are ever going to own is a home. Homeownership is really that financial key that helps unlock stability and wealth preservation across generations.\u201d<\/em><\/p><\/blockquote>\n<p>If you\u2019re ready to start building your net worth, the current real estate market offers several opportunities you should consider. For example, with <a href=\"https:\/\/www.simplifyingthemarket.com\/2023\/12\/20\/why-mortgage-rates-could-continue-to-decline\/?a=375140-ca8522ad04357da9549c08492a932f70\" rel=\"noopener noreferrer\" target=\"_blank\">mortgage rates<\/a> trending lower lately, your <a href=\"https:\/\/www.simplifyingthemarket.com\/2024\/01\/08\/what-lower-mortgage-rates-mean-for-your-purchasing-power\/?a=375140-ca8522ad04357da9549c08492a932f70\" rel=\"noopener noreferrer\" target=\"_blank\">purchasing power<\/a> may be higher now than it has been in months. And, with more <a href=\"https:\/\/www.simplifyingthemarket.com\/2023\/12\/13\/the-surprising-trend-in-the-number-of-homes-coming-onto-the-market\/?a=375140-ca8522ad04357da9549c08492a932f70\" rel=\"noopener noreferrer\" target=\"_blank\">inventory<\/a> coming to the market, there are more options for you to consider. A local <a href=\"https:\/\/www.simplifyingthemarket.com\/2023\/12\/07\/why-you-need-to-use-a-real-estate-agent-when-you-buy-a-home\/?a=375140-ca8522ad04357da9549c08492a932f70\" rel=\"noopener noreferrer\" target=\"_blank\">real estate agent<\/a> can walk you through the opportunities you have today and guide you through the process of finding your ideal home.<\/p>\n<h3>Bottom Line<\/h3>\n<p>If you&#8217;re unsure about whether to rent or buy a home, keep in mind that owning a home can increase your overall wealth in the long run, no matter your income. To discover more about this and the many other benefits of homeownership, connect with a local real estate agent.<\/p>\n<p>Source: New feed<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you&#8217;re trying to decide whether to rent or buy a home this year, here&#8217;s a powerful insight that could give you the clarity and confidence you need to make your decision. Every three years, the Federal Reserve releases the Survey of Consumer Finances (SCF), which compares net worth for homeowners and renters. The latest [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":5287,"comment_status":"false","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":{"facebook_10157519356927224_105287467588662":"","twitter_15771620_15771620":""},"rop_publish_now_history":[],"rop_publish_now_status":"pending","_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[1],"tags":[54],"class_list":{"0":"post-5286","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-local-info","8":"tag-100-financing","9":"entry"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>The Dramatic Impact of Homeownership on Net Worth&#8212;NWI Loan Guy Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/nwiloanguy.com\/blog\/the-dramatic-impact-of-homeownership-on-net-worth\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Dramatic Impact of Homeownership on Net Worth&#8212;NWI Loan Guy Blog\" \/>\n<meta property=\"og:description\" content=\"If you&#8217;re trying to decide whether to rent or buy a home this year, here&#8217;s a powerful insight that could give you the clarity and confidence you need to make your decision. 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The latest [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/nwiloanguy.com\/blog\/the-dramatic-impact-of-homeownership-on-net-worth\/\" \/>\n<meta property=\"og:site_name\" content=\"NWI Loan Guy Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/NWIHomeLoans\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/NWIHomeLoans\" \/>\n<meta property=\"article:published_time\" content=\"2024-01-11T11:30:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-01-19T02:56:32+00:00\" \/>\n<meta property=\"og:image\" content=\"http:\/\/nwiloanguy.com\/blog\/wp-content\/uploads\/2024\/01\/20240111-The-Dramatic-Impact-of-Homeownership-on-Net-Worth.png\" \/>\n\t<meta property=\"og:image:width\" content=\"750\" \/>\n\t<meta property=\"og:image:height\" content=\"410\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Scott\" \/>\n<meta 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