Homeownership remains a top goal for many Americans, but 2025 presents new challenges for buyers and sellers alike. A recent survey commissioned by NerdWallet and conducted online by The Harris Poll in late 2024, found that 35% of nonhomeowners say the high cost of living is their biggest barrier to buying a home. Inflation, rising expenses, and high mortgage rates continue to impact affordability, making it harder for buyers to enter the market.
Source: www.nerdwallet.com | i
Current homeowners also face hurdles. Many who secured historically low mortgage rates in past years hesitate to move, with 62% of homeowners reporting something is preventing them from buying their next home. The biggest obstacles? High mortgage rates (23%) and increased living costs (22%).
With these financial pressures limiting both buyers and sellers, inventory remains tight. In 2024, just over 4 million existing homes were sold—the lowest number since 1995. With high demand and fewer available properties, buyers must consider all paths to homeownership:
Here’s what you need to know about each option to make the best choice for your budget and lifestyle.
Each path to homeownership comes with unique benefits and challenges:
Let’s connect to discuss your options and find the best home solution for you.
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