June is National Homeownership Month—a time to reflect on the value of homeownership and the evolving landscape that shapes it. At Ameris Bank, we believe that informed decisions lead to empowered homeowners. That’s why created a new white paper, The State of U.S. Homeownership: Challenges and Opportunities for Prospective Homebuyers, to help buyers, sellers, and real estate professionals better understand the market in 2025.

“Homeownership has long been a cornerstone of the American Dream, representing stability, opportunity, and long-term financial growth,” said Robert Odom, president of the mortgage division at Ameris Bank. “In 2025, the housing and mortgage markets continue to evolve, shaped by both persistent challenges and encouraging trends. While affordability remains a concern, factors like improving inventory, steady wage growth, and shifting buyer demographics are contributing to a more balanced and resilient market.”

Key Trends Shaping the Market

The white paper highlights several important developments in the housing market. Homeownership rates have dipped slightly in 2025, with affordability emerging as a top concern.^1,2

At the same time, housing inventory is showing signs of improvement. The number of homes for sale has risen over 30% from last year, giving buyers more options after years of limited availability.³

Demographic shifts are also playing a major role. First-time buyers are now older and more diverse, with Millennials and Gen Z increasingly dominating market.⁴ Meanwhile, wage growth is outpacing inflation, helping to offset some of the pressure from higher interest rates.⁵

Why This Matters

The housing market in 2025 reflects a mix of ongoing challenges and emerging shifts. Staying informed about current conditions—such as affordability pressures, demographic changes, and inventory trends—helps buyers, homeowners and real estate agents make confident decisions.

This white paper offers a timely snapshot of today’s market, with data that shows how homeownership is evolving.

Explore the Full Report

The white paper provides a snapshot of today’s housing market, including data on affordability, buyer demographics, and inventory trends. It’s designed to offer context and clarity for anyone navigating homeownership in 2025.

Download the full white paper to explore the insights and opportunities that matter most in today’s housing market.


Sources:
¹ https://www.census.gov/housing/hvs/current/index.html
² https://www.nar.realtor/blogs/economists-outlook/trends-in-housing-affordability-who-can-currently-afford-to-buy-a-home
³ https://www.realtor.com/research/april-2025-data/
⁴ https://www.nar.realtor/sites/default/files/2025-04/2025-home-buyers-and-sellers-generational-trends-04-01-2025.pdf
⁵ https://www.bls.gov/news.release/pdf/eci.pdf


The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. Ameris Bank is neither affiliated with nor endorses the National Association of Realtors, Realtor.com, Bureau of Labor Statics and the U.S. Census Bureau.