Hometap Survey Reveals Waning Confidence in American Homeownership Dream — Hometap Equity Partners, LLC

Event summary

Hometap surveyed 1,000 U.S. homeowners in June 2026, finding 53% describe the American homeownership dream as 'eroding' or 'broken'.
Only 18% of respondents believe homeownership has fully delivered on its promise, down from 76% in a previous Hometap study.
61% of homeowners view parental support as a requirement for homeownership due to the growing wealth gap.
Baby boomers, despite benefiting most from homeownership, are the least confident in it, with 38% describing the dream as 'eroding'.

The big picture

Hometap's survey highlights a significant shift in attitudes toward homeownership, reflecting broader economic pressures and generational disparities. As fintech companies expand their offerings in home equity solutions, the declining confidence in traditional homeownership models may create opportunities for innovative financial products. The findings suggest a potential realignment in how Americans view property ownership as both an investment and a lifestyle.

What we're watching

Generational Wealth Transfer: Whether the growing reliance on parental support will exacerbate wealth inequality in homeownership.
Fintech Solutions: How companies like Hometap will adapt their products to address declining homeowner confidence.
Policy Implications: The pace at which regulatory changes may emerge to address the eroding perception of homeownership as a cornerstone of the American Dream.