Single Gen Z Women Lead Homebuying Trends
SingleGenZwomenareoutpacingtheirmalecounterpartswhenitcomestobuyingahome.
在購屋方面，單身 Z 世代女性的步伐已經超過了同齡男性。
Theyaccountedfor35%ofallhomebuyersintheirgeneration, whilesingleGenZmenrepresented18%.
他們佔同代購屋者的 35%，而單身 Z 世代男性佔 18%。
AccordingtosurveydatafromtheNationalAssociationofRealtors, NARsurveyedpeoplewhoboughtahomebetweenJuly 2024andJune 2025.
根據美國房地產經紀人協會 (NAR) 的調查數據，NAR 對 2024 年 7 月至 2025 年 6 月期間購買房屋的人進行了調查。
Thesurveyincludedhomebuyersfromseveralgenerations, fromGenZ, ages18-26, totheSilentGeneration, ages80to100.
該調查涵蓋了幾個世代的購房者，從 18-26 歲的 Z 世代到 80-100 歲的沉默一代。
NoothergenerationhadabiggershareofsinglewomenhomebuyersthanGenZ.
Z世代單身女性購屋者的比例高於其他世代。
OverallGenZers, whichthesurveydefinesasthosebornbetween 1999 and 2011, stillonlymadeup4%ofallhomebuyersduringthesurveyperiod.
調查顯示，Z世代（指1999年至2011年出生的人）整體上只佔調查期間所有購屋者的4%。
Atthetimeofthesurvey, theshareof U.S. homes boughtbyfirst-timebuyersofallagessanktothelowestlevelonrecordgoingbackto1981.
調查顯示，美國各年齡層首次購屋者購買房屋的比例降至 1981 年有記錄以來的最低水準。
First-timebuyersoftendon’thaveequityfromaprevioushometoputtowardadownpayment.
首次購屋者通常沒有先前房產的淨值可以用來支付首付。
ThatwasthesituationforBriLaFluer.
布里·拉弗勒當時的情況就是這樣。
Afteryearsofsockingawayhalfherpay, workingtwojobsandaidedbyaslowinghousingmarket, sheboughtherownhomein 2023attheageof24.
經過多年將一半工資存起來，同時兼職兩份工作，再加上房地產市場放緩的幫助，她在 2023 年，也就是 24 歲時，購買了自己的房子。
I’vealwaysbeenareallyindependentpersonandIjustwantedmyownplacetohavepeaceandquietbymyself, saidLaFluer, now27.
現年 27 歲的拉弗勒說：“我一直是一個非常獨立的人，我只是想要一個屬於自己的地方，享受一個人的寧靜。”
Herhomesearchbeganin 2021, buthistoricallylowmortgageratesmadethemarketultracompetitive, whichturbochargedprices.
她的購屋之旅始於 2021 年，但歷史性的低抵押貸款利率使得市場競爭異常激烈，從而推高了房價。
Twoyearslatershefinallylandedahousein Baldwinsville, N.Y., about15 milesfromSyracuse, thatwasbuiltin 1900andhasthreebedroomsand 1.5-baths andabigyard.
兩年後，她終於在紐約州鮑德溫斯維爾找到了一棟房子，距離錫拉丘茲大約 15 英里。這棟房子建於 1900 年，有三間臥室、1.5 間浴室和一個大院子。
Shegotitfor $175,000.
她花了17.5萬美元買下了它。
Ifeellikeitwasmeanttobeandthisjustendedupbeingtheperfecthouseformeandmydogs, shesaid.
她說：“我覺得這是命中註定的，這房子最終成了我和我的狗狗們的完美住所。”
Acontentcreatorforavideogamecompany, LaFluerlivedwithhermomandpaidamodestrent, whichhelpedhersaveupfasterforthe $20,000 down payment.
身為一家電玩公司的內容創作者，拉弗勒和她的母親住在一起，支付著適中的房租，這幫助她更快地攢夠了 2 萬美元的首付。
AspiringGenZhomeownersfaceanumberofchallengestoaffordingahome:They’retypicallyjustgettingstartedintheircareers, withtheirbestincome-earningyearsahead.
渴望擁有住房的 Z 世代面臨著許多挑戰：他們通常剛開始職業生涯，收入最高的時期還在後。
Theyareunlikelytobemarriedandmayhavestudentloanstopayoff.
他們不太可能已婚，而且可能還有學生貸款要償還。
Theirmedianannualincomeof $76,000, asof2024, alsowasthelowestcomparedtohomebuyersfromallothergenerations, accordingtoNAR.
根據美國房地產經紀人協會 (NAR) 的數據，截至 2024 年，他們的年收入中位數為 76,000 美元，與其他所有世代的購屋者相比也是最低的。
Yearsofsoaringhomepriceshavefurtherstretchedthelimitsofaffordability.
多年來房價飆升，進一步拉大了人們的購屋能力極限。
Whilehomepricegrowthhasslowedandpriceshavefalleninmanymetroareas, pricesaremostlystillrising.
雖然房價成長速度放緩，許多大都會地區的房價有所下降，但總體而言，房價仍在上漲。
Themedian U.S. home salespricestoodat $417,700 last month, up 0.9% fromayearearlier, accordingtoNAR.
根據美國房地產經紀人協會（NAR）的數據顯示，上個月美國房屋銷售價格中位數為 417,700 美元，比去年同期上漲 0.9%。
Still, GenZhomebuyersarealsomorelikelytoreceivefinancialhelpfromfamily, andmanyaresavvyaboutlookingintocommunitygrantsorotherpaymentassistanceprogramsforfirst-timehomebuyers.
不過，Z世代購屋者也更有可能從家人那裡獲得經濟援助，而且許多人都很精明，懂得尋找社區補助金或其他針對首次購房者的支付援助計劃。
And1in10tappedtheir 401(k) retirement savingsplantoputtowardtheirdownpayment, accordingtoNAR.
據美國房地產經紀人協會 (NAR) 稱，十分之一的人動用了他們的 401(k) 退休儲蓄計劃來支付首付。
Otherhomeshoppershavenorecoursebuttosaveupontheirown.
其他購屋者別無選擇，只能自己存錢。
That’swhatMariahBerryfocusedonwhenmanyofherfellowcollegegradsweregoingoutandlivingitup.
當她的許多大學同學都在外出享受生活時，瑪麗亞·貝瑞卻專注於此。
Ididnotgooutandwasdrivinganoldbeat-upcar, saidBerry, asocialmediacontentcreator.
社群媒體內容創作者貝瑞說：“我沒有出門，而是開著一輛破舊的老車。”
Itwasnotfun.
這可不好玩。
Thepenny-pinchingpaidoffin 2023, whenBerryboughthertwo-bedroom, one-bathhomein Charleston, Tennessee, a smalltownabout45 milesoutsideofChattanooga.
2023 年，貝瑞的節儉終於有了回報，她在田納西州查爾斯頓買了一間兩房一衛的房子，查爾斯頓是一個距離查塔努加約 45 英里的小鎮。
Shewasjust23.
她才23歲。
Berryhadalwayswantedtobeahomeowner, butthegoaltookonmoreurgencyafteraperiodwhensheandherboyfriendwerebouncingbetweenlivinginshort-termrentalsorcouchsurfingwithfriends.
貝瑞一直夢想擁有自己的房子，但有一段時間，她和男友一直在短期租賃房屋和朋友家沙發間輾轉居住，這讓她更加迫切地想要實現這個目標。
Berrygotherhome, oneoftwounitsinaranch-styleduplex, for $218,000.
貝瑞以 21.8 萬美元的價格買下了她的房子，這是一棟牧場式複式住宅的兩套單元房之一。
Shefinancedthebalanceaftermakinga $7,000 down paymentwitha30-yearmortgageat6%interest.
她支付了 7000 美元的首付後，用 6% 的利率申請了 30 年期抵押貸款來支付剩餘款項。
Idothinkit’sprettyfrickin’awesomethatI’mahomeownerandthatIbecameahomeownerat23, shesaid.
「我覺得能成為房主真是太棒了，而且我23歲就成為房主了，」她說。
IwillsaythatafterIputintheoffer, Iwantedtopuke.
說實話，在我提交報價之後，我簡直想吐。
Iwaslike, ’OhmyGod, didIdotherightthing?’
我當時想，“天哪，我這樣做對嗎？”
Berry’snowlookingatthepossibilityofbuyingtheotherhalfoftheduplexsomeday.
貝瑞現在正在考慮將來是否有可能買下這棟複式公寓的另一半。
Thatcouldbeagoodopportunityforustohaveandlikerentouthalfofit, shesaid.
她說：“這對我們來說可能是一個很好的機會，我們可以把其中一半出租出去。”
TheNARsurveydataarethelatestsignthatsinglewomenoverallarebecominghomeownersatgreaterratesthansinglemen.
美國房地產經紀人協會 (NAR) 的調查數據最新表明，單身女性的購房率總體上高於單身男性。
SinglewomenacrossthegenerationsmadeupaquarterofallhomebuyersintheJuly 2024-June 2025period, accordingtoNAR.
根據美國房地產經紀人協會 (NAR) 的數據，在 2024 年 7 月至 2025 年 6 月期間，各年齡層的單身女性佔所有購屋者的四分之一。
Singlemen, meanwhile, accountedfor11%ofallhomepurchases.
同時，單身男性佔所有購屋者的 11%。
Thishasbeenalongstandingtrendgoingbackatleastto1981.
這種趨勢由來已久，至少可以追溯到 1981 年。
In 2006, attheheightofthemid-2000shousingboom, theshareofhomesboughtbysinglewomenpeakedat22%, accordingtoNAR.
根據美國房地產經紀人協會 (NAR) 的數據顯示，在 2000 年代中期房地產繁榮的高峰期——2006 年，單身女性購屋的比例達到高峰 22%。
Forsinglemen, theirshareofhomeownershippeakedat12%in 2010.
2010 年，單身男性的房屋擁有率達到高峰 12%。
Expertssaythereisnoone-size-fits-allanswertowhyacrossthegenerationssinglewomenoutnumbersinglemenashomeowners.
專家表示，對於為什麼各個年齡層的單身女性房主數量都超過單身男性，並沒有一個放諸四海皆準的答案。
Womennowareoutpacingmenincollegeattendance, whichcanleadtohigherincomes, saidJessicaLautz, NAR’sdeputychiefeconomist.
美國房地產經紀人協會副首席經濟學家傑西卡·勞茨表示，如今女性在大學入學率方面已經超過了男性，這可以帶來更高的收入。
Theytendtohaveastrongdesireforhomeownershipasawaytosecuretheirindependence, somethingtheyhistoricallycouldnoteasilydoalone.
他們往往強烈渴望擁有住房，以此來保障自己的獨立性，而這在歷史上是他們獨自一人很難實現的。
Itwasn’tuntilthe1970swherewomenwerelegallyprotectedtohaveamortgageontheirown, Lautzsaid.
勞茨說，直到 1920 世紀 70 年代，女性才受到法律保護，可以獨自承擔抵押貸款。
Andtheyhaveembracedthisandbeenverystronglyembracingthis.
他們欣然接受了這一點，並且一直非常堅定地接受這一點。
Single Gen Z women are outpacing their male counterparts when it comes to buying a home.
They accounted for 35% of all homebuyers in their generation, while single Gen Z men represented 18%.
According to survey data from the National Association of Realtors, NAR surveyed people who bought a home between July 2024 and June 2025.
The survey included homebuyers from several generations, from Gen Z, ages 18-26, to the Silent Generation, ages 80 to 100.
No other generation had a bigger share of single women homebuyers than Gen Z.
Overall Gen Zers, which the survey defines as those born between 1999 and 2011, still only made up 4% of all homebuyers during the survey period.
At the time of the survey, the share of U.S. homes bought by first-time buyers of all ages sank to the lowest level on record going back to 1981.
First-time buyers often don’t have equity from a previous home to put toward a down payment.
That was the situation for Bri LaFluer.
After years of socking away half her pay, working two jobs and aided by a slowing housing market, she bought her own home in 2023 at the age of 24.
I’ve always been a really independent person and I just wanted my own place to have peace and quiet by myself, said LaFluer, now 27.
Her home search began in 2021, but historically low mortgage rates made the market ultra competitive, which turbocharged prices.
Two years later she finally landed a house in Baldwinsville, N.Y., about 15 miles from Syracuse, that was built in 1900 and has three bedrooms and 1.5-baths and a big yard.
She got it for $175,000.
I feel like it was meant to be and this just ended up being the perfect house for me and my dogs, she said.
A content creator for a video game company, LaFluer lived with her mom and paid a modest rent, which helped her save up faster for the $20,000 down payment.
Aspiring Gen Z homeowners face a number of challenges to affording a home: They’re typically just getting started in their careers, with their best income-earning years ahead.
They are unlikely to be married and may have student loans to pay off.
Their median annual income of $76,000, as of 2024, also was the lowest compared to homebuyers from all other generations, according to NAR.
Years of soaring home prices have further stretched the limits of affordability.
While home price growth has slowed and prices have fallen in many metro areas, prices are mostly still rising.
The median U.S. home sales price stood at $417,700 last month, up 0.9% from a year earlier, according to NAR.
Still, Gen Z homebuyers are also more likely to receive financial help from family, and many are savvy about looking into community grants or other payment assistance programs for first-time homebuyers.
And 1 in 10 tapped their 401(k) retirement savings plan to put toward their down payment, according to NAR.
Other home shoppers have no recourse but to save up on their own.
That’s what Mariah Berry focused on when many of her fellow college grads were going out and living it up.
I did not go out and was driving an old beat-up car, said Berry, a social media content creator.
It was not fun.
The penny-pinching paid off in 2023, when Berry bought her two-bedroom, one-bath home in Charleston, Tennessee, a small town about 45 miles outside of Chattanooga.
She was just 23.
Berry had always wanted to be a homeowner, but the goal took on more urgency after a period when she and her boyfriend were bouncing between living in short-term rentals or couch surfing with friends.
Berry got her home, one of two units in a ranch-style duplex, for $218,000.
She financed the balance after making a $7,000 down payment with a 30-year mortgage at 6% interest.
I do think it’s pretty frickin’ awesome that I’m a homeowner and that I became a homeowner at 23, she said.
I will say that after I put in the offer, I wanted to puke.
I was like, ’Oh my God, did I do the right thing?’
Berry’s now looking at the possibility of buying the other half of the duplex some day.
That could be a good opportunity for us to have and like rent out half of it, she said.
The NAR survey data are the latest sign that single women overall are becoming homeowners at greater rates than single men.
Single women across the generations made up a quarter of all homebuyers in the July 2024-June 2025 period, according to NAR.
Single men, meanwhile, accounted for 11% of all home purchases.
This has been a longstanding trend going back at least to 1981.
In 2006, at the height of the mid-2000s housing boom, the share of homes bought by single women peaked at 22%, according to NAR.
For single men, their share of homeownership peaked at 12% in 2010.
Experts say there is no one-size-fits-all answer to why across the generations single women outnumber single men as homeowners.
Women now are outpacing men in college attendance, which can lead to higher incomes, said Jessica Lautz, NAR’s deputy chief economist.
They tend to have a strong desire for homeownership as a way to secure their independence, something they historically could not easily do alone.
It wasn’t until the 1970s where women were legally protected to have a mortgage on their own, Lautz said.
And they have embraced this and been very strongly embracing this.
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