Time Needed for Home Down Payments Drops to 7 Years -- Market Talk

Dow Jones

Dec 29, 2025

1009 ET - Saving for a down payment remains one of the biggest barriers to homeownership in the U.S., Realtor.com says, even as housing market conditions improve. In 2025, the typical U.S. household needed seven years to save for a typical down payment, a significant improvement from the peak of 12 years in 2022. Higher home prices and intensified competition have pushed typical down payments higher, at the same time that inflation and rising household expenses have reduced savings rates. The U.S. personal savings rate has averaged 5.1% of income so far in 2025, below the pre-pandemic norm of 6.5%. In 3Q 2019, the typical buyer paid about $13,900 as a down payment. By 3Q 2025, that figure had more than doubled to $30,400. (chris.wack@wsj.com)

(END) Dow Jones Newswires

December 29, 2025 10:09 ET (15:09 GMT)

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In 2025, the typical U.S. household needed seven years to save for a typical down payment, a significant improvement from the peak of 12 years in 2022. Higher home prices and intensified competition have pushed typical down payments higher, at the same time that inflation and rising household expenses have reduced savings rates. The U.S. personal savings rate has averaged 5.1% of income so far in 2025, below the pre-pandemic norm of 6.5%. In 3Q 2019, the typical buyer paid about $13,900 as a down payment. By 3Q 2025, that figure had more than doubled to $30,400. 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In 2025, the typical U.S. household needed seven years to save for a typical down payment, a significant improvement from the peak of 12 years in 2022. Higher home prices and intensified competition have pushed typical down payments higher, at the same time that inflation and rising household expenses have reduced savings rates. The U.S. personal savings rate has averaged 5.1% of income so far in 2025, below the pre-pandemic norm of 6.5%. In 3Q 2019, the typical buyer paid about $13,900 as a down payment. By 3Q 2025, that figure had more than doubled to $30,400. (chris.wack@wsj.com) \n</p>\n<pre style=\"white-space: pre\">\n \n</pre>\n<p>\n  (END) Dow Jones Newswires\n</p>\n<p>\n  December 29, 2025 10:09 ET (15:09 GMT)\n</p>\n<p>\n  Copyright (c) 2025 Dow Jones &amp; Company, Inc.\n</p>\n</font>\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"BK4588","symbol_name":"碎股","start_time":0,"source_url":"https://dowjonesnews.com/newdjn/logon.aspx?AL=N","article_id":"2595739837","we_media_id":"106","thumbnails":[],"rights":null,"url":"https://stock-news.laohu8.com/highlight/detail?id=2595739837","pubTimestamp":1767020940,"columns":[],"sourceInfo":null,"weMediaInfo":{"media_name":"Dow Jones","introduction":"Dow Jones publishes the world’s most trusted business news and financial information in a variety of media.","home_visible":0,"id":"106","head_image":"https://static.tigerbbs.com/150f88aa4d182df19190059f4a365e99"},"summary":"1009 ET - Saving for a down payment remains one of the biggest barriers to homeownership in the U.S., Realtor.com says, even as housing market conditions improve. In 2025, the typical U.S. household needed seven years to save for a typical down payment, a significant improvement from the peak of 12 years in 2022. Higher home prices and intensified competition have pushed typical down payments higher, at the same time that inflation and rising household expenses have reduced savings rates. The U.S. personal savings rate has averaged 5.1% of income so far in 2025, below the pre-pandemic norm of 6.5%. In 3Q 2019, the typical buyer paid about $13,900 as a down payment. By 3Q 2025, that figure had more than doubled to $30,400. ","collect":0,"end_time":0,"defaultTopTitle":"","property":[],"viewcount":null,"language":"en","relate_stocks":{"BK4588":"碎股","LU1169590202.USD":"ALLSPRING (LUX)  U.S. SELECT EQUITY \"I\" (USD) ACC","BK7038":"出版","BK4585":"ETF&股票定投概念","HBCP":"Home Bancorp Inc","NWSA":"新闻集团","LU1169589451.USD":"ALLSPRING (LUX)  U.S. SELECT EQUITY \"A\" (USD) ACC","BK4195":"互助储蓄与抵押信贷金融服务","BK4111":"出版","NWS":"新闻集团","NWS.AU":"NEWS CORP - CLASS B- CDI","BK4211":"区域性银行"},"translate_title":"房屋首付所需时间降至7年——市场讨论","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"HBCP":1.5,"NWS.AU":0.9,"NWS":0.9,"NWSA":0.9},"content_text":"1009 ET - Saving for a down payment remains one of the biggest barriers to homeownership in the U.S., Realtor.com says, even as housing market conditions improve. In 2025, the typical U.S. household needed seven years to save for a typical down payment, a significant improvement from the peak of 12 years in 2022. Higher home prices and intensified competition have pushed typical down payments higher, at the same time that inflation and rising household expenses have reduced savings rates. The U.S. personal savings rate has averaged 5.1% of income so far in 2025, below the pre-pandemic norm of 6.5%. In 3Q 2019, the typical buyer paid about $13,900 as a down payment. By 3Q 2025, that figure had more than doubled to $30,400. (chris.wack@wsj.com) \n\n\n \n\n\n  (END) Dow Jones Newswires\n\n\n  December 29, 2025 10:09 ET (15:09 GMT)\n\n\n  Copyright (c) 2025 Dow Jones & Company, Inc.","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":0,"need_auth":true,"code":"91000000","status":"200"}}}