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Assets
Financial Assets$61.8T
Stocks & Equities$47.2T
21% of households
Cash & Deposits$9.6T
99% of households
Bonds & Fixed Income$6.2T
1% of households
Retirement & Tax-Adv.$77.8T
Retirement Accounts$48.1T
54% of households
IRAs$18.9T
31% of households
401(k) Plans$10.0T
50% of households
529 Plans$603B
13% of households
HSAs$159B
27% of households
Real Assets$87.1T
Real Estate$48.0T
66% of households
Commercial Real Estate$22.5T
6% of households
Residential Rentals$10.3T
13% of households
Farms$3.6T
1.5% of households
Vehicles$2.4T
87% of households
Mineral Rights$314B
9% of households
Business & Insurance$20.1T
Private Business$16.0T
15% of households
Life Insurance$2.2T
16% of households
RSUs & Equity Comp$2.1T
8% of households
Total Assets $181.6T
Ownership %: Federal Reserve SCF, 2022
Liabilities
Housing Debt$14.8T
Mortgages$13.77T
42% of households
HELOCs$434B
4% of households
HELOANs$562B
~3% of households
Consumer Credit$3.6T
Vehicle Loans$1.67T
35% of households
Credit Cards$1.33T
45% of households
Personal Loans$276B
19% of households
Vehicle Leases$209B
~10% of households
BNPL Debt$70B
~17% of households
Education & Health$2.1T
Student Loans$1.66T
22% of households
Medical Debt$194B
~14% of households
Deferred Medical$200B
~36% of households
Other Debt$2.2T
Margin Loans & SBLOCs$1.23T
~4% of households
Personal Guarantees$840B
~6% of households
Insurance Policy Loans$151B
~5% of households
Total Liabilities $20.9T
Holding %: Federal Reserve SCF 2022 & agency estimates
Net Worth
Overview By Percentile By Age
Cash Flow
Income Spending Taxes Debt Service Savings
Households
Overview By Age By Generation
Home / Assets / Real Estate

Residential Real Estate

Time series data on U.S. household real estate values, owners' equity, housing supply, and median sale prices, quarterly from 2000 to present.

Real estate assets edged down to $47.9T in Q4 2025, reflecting continued home price softening
Data View Commentary →
Household Real Estate Assets
$47.92T Q4 2025
Source: FRED BOGZ1FL155035015Q · Federal Reserve Z.1 Financial Accounts
Owners' Equity in Real Estate
$34.15T Q4 2025
Source: FRED OEHRENWBSHNO · Federal Reserve Z.1 Financial Accounts
Total U.S. Housing Units
148.7M Q4 2025
Source: FRED ETOTALUSQ176N · U.S. Census Bureau
Mortgage-Free Homes (% of Owner-Occupied)
40.3% 2024
Source: Census Bureau ACS Table B25081 · American Community Survey 1-Year Estimates
Median Sale Price of U.S. Homes
$405,300 Q4 2025
Source: FRED MSPUS · U.S. Census Bureau / HUD

Key Data

Key real estate metrics from Federal Reserve Z.1 Financial Accounts.

Metric Value As Of Source
Household Real Estate Assets $47.92 Trillion Q4 2025 FRED BOGZ1FL155035015Q
Owners' Equity in Real Estate $34.15 Trillion Q4 2025 FRED OEHRENWBSHNO
Total Housing Units 148.7 Million Q4 2025 FRED ETOTALUSQ176N
Mortgage-Free Homes 40.3% 2024 Census ACS B25081
Median Home Sale Price $405,300 Q4 2025 FRED MSPUS
US Housing Market Total Value $55.1 Trillion Sep 2025 Zillow
View Commentary →