Map Shows Where Americans Hold Most Housing Wealth
Summary
U.S. homeowners now have a record $34.9 trillion in home equity, according to LendingTree. The highest home equity is found in states like Hawaii and California, while southern states have much lower home equity. Home equity is the part of a home’s value that owners truly own after paying off any mortgage debt.Key Facts
- Total U.S. home equity reached $34.9 trillion as of early 2026.
- Hawaii leads with the highest median home equity at $425,000.
- California has the second highest median home equity at $350,000.
- The top five states for home equity include Massachusetts, Utah, and New Jersey.
- Southern states like Louisiana and Alabama have the lowest median home equity, around $130,000 to $150,000.
- Rise in home values benefited existing homeowners but made buying homes harder for many new buyers.
- Home equity can be used by owners to get loans for home repairs, debt consolidation, or other big expenses.
- Home prices per square foot grew much faster in the West (105%) than in the Midwest (63%) over the past decade.
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