National Real Estate Insights December 2024

Mortgage-Free Homes National Percentage: Homes Owned Free & Clear*

Over 39% of owner-occupied homes are owned free and clear. When these households sell, their proceeds of sale make it much easier to buy their next homes all-cash – presumably, a major factor in the increase in all-cash sales.

2013

34.3%

2014

35.7%

2015

36.2%

2016

36.7%

2017

37.0%

2018

37.2%

2019

38.1%

2020

38.3%

2021

38.7%

2022

39.3%

30%

32%

34%

36%

38%

40%

*Data per U.S. Census as reported on by Bloomberg News, “The Share of Americans Who Are Mortgage-Free Is at an All-Time High,” 11/17/23. Data from sources deemed reliable but not guaranteed and may contain errors. All numbers should be considered approximate.

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