Who owns the value of U.S. homes?

In the second quarter of 2026, the next 40% of U.S. households by wealth held 46.6% of the value of the homes households live in, more than any other group. The wealthiest 1% held 13.4%, the next 9% held 30.3% and the bottom 50% held 9.7%. This is the market value of owner-occupied homes and land, before subtracting mortgages; homes rented out to others count as businesses. Groups are ranked by net worth: what households own minus what they owe. The Fed estimates each quarter by combining its Financial Accounts with its Survey of Consumer Finances, taken every three years, so the newest quarters are estimates that get revised.

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Key facts

Measure: Share of home value held by households, %. Written from the data below.

  • Next 40% has the highest figure, 46.6%.
  • Bottom 50% has the lowest figure, 9.7%.
  • The highest is 4.8 times the lowest.

Source and date

Source
Federal Reserve Board, Distributional Financial Accounts
License
Public domain (Federal Reserve Board; cite the Board as the source)
Data as of
Published

Citation

Chartly. “Who owns the value of U.S. homes?” Chart. Data: Federal Reserve Board, Distributional Financial Accounts, https://www.federalreserve.gov/releases/z1/dataviz/dfa/ (data as of June 30, 2026). https://chart.ly/charts/who-owns-us-homes (accessed October 17, 2026).

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The data

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The file has the numbers in this table, with the source, license and date. Please credit the source and Chartly. Developers can also get them as JSON (how).

Households, by wealth Share of home value held by households, %
Top 1% 13.4
Next 9% 30.3
Next 40% 46.6
Bottom 50% 9.7

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