T
he most valuable investment on the planet is, surprisingly, the earth itself. Homeowners are a staggering 43 times wealthier than renters, according to a Federal Reserve Survey of Consumer Finances estimate from 2025. The median net worth of US homeowners stands at $430,000, while renters hold just $10,000.

    Homeownership has seen significant growth, with a 45% increase in net worth since 2019, outpacing the stagnant wealth of renters. In fact, the median renter's bank account has shrunk by $400 since 2022. The National Association of Realtors' chief economist, Lawrence Yun, highlighted this wealth gap at the 2026 REALTORS Legislative Meetings.

    Real estate is often touted as a top investment opportunity, and recent years have proven its value. Skyrocketing home prices have enriched homeowners, while renters have been left behind due to economic pressures and declining housing affordability. A recent analysis found that renters outnumber homeowners in growing numbers of New Jersey suburbs.

    High interest rates and home costs continue to hinder young people's ability to become homeowners. While some metros still offer affordable options under $300,000, many are falling behind. The upcoming Federal Reserve Survey of Consumer Finances will provide fresh insights into how the past three years have impacted Americans' financial situations and living conditions.