$3.2 Trillion in Tappable Home Equity Is Sitting Untouched
U.S. homeowners hold $3.2 trillion in tappable equity they are not using yet. Here is why agents should care.
$50KAverage HELOC balance
The average HELOC balance is now $50,000, mostly spent on renovations.
Homeowners are investing in the homes they already have.
What it means
- Homeowners: a HELOC lets you borrow against equity you already have. Most carry a variable rate, so the payment moves when rates do. Why HELOC rates react to the Fed first.
- Sellers: renovated kitchens and baths raise buyer expectations, so homes listed as-is need sharper pricing.
- Agents: owners who just renovated may stay put longer, while others are upgrading before a sale. Knowing which group your past clients are in tells you who to call. See how much equity homeowners hold.
Keep reading
All insights
More insights
U.S. Homeowners Sit on an Average of $290,000 in Equity
$290,000 is the average equity U.S. homeowners hold right now. A move-up, an investment or a debt payoff could be closer than they think.
Only 12% of Buyers Are Waiving Home Inspections in 2026
Just 12% of buyers are skipping inspection contingencies in 2026. Due diligence is back in style.