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Gen Z's Homeownership Dreams Dim Amid Rising Debt

3/2/2026

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Story summary
  • Gen Z faces growing barriers to homeownership as the group carries an average debt of over $94,000, contributing to affordability challenges.
  • Only 3% of homebuyers are Gen Zers, while the median U.S. home price exceeds $403,000, making purchases hard for young buyers.
  • Housing costs would exceed one-third of many young adults' income, hindering affordability.
  • Financial advisors recommend prioritizing high-interest debt repayment and exploring co-ownership as an alternative path to ownership.