2025新生代购房者报告

BY KRISTIN MESSERLI INTRODUCTION As we release the 2025 NextGen Homebuyer Report, we find ourselves at a pivotal moment inthe housing market. Over the past five years, this research has captured the financial realities,aspirations, and challenges of more than 7,000 NextGen homebuyers. This year’s report,based on insights from 1,000 respondents aged 18 to 44, highlights emerging trends,affordability strategies, and the evolving role of trust in financial institutions and professionals. A key takeaway remains constant across years: education and accessibility are critical toclosing homeownership gaps. While 95% of respondents share a desire to achievehomeownership, confidence levels, affordability strategies, and trust in professionals revealongoing disparities that demand industry attention. Trust in financial institutions and real estateprofessionals has plummeted, and NextGen buyers are increasingly turning to alternativehomebuying strategies, social media, and AI-driven tools to navigate the market. This report not only reflects current economic and social conditions but also illuminatesopportunities for housing professionals, lenders, and policymakers to adapt and innovate. Byunderstanding how NextGen buyers engage with the homebuying process, industryprofessionals can create more effective strategies to improve financial literacy, rebuild trust,and increase access to homeownership. Kristin Messerli,Executive director of FirstHome IQ ABOUT THIS REPORT The 2025 NextGen Homebuyer Report is an annual research initiative designed to provideinsights into the evolving homeownership landscape for Gen Z and Millennial buyers. Now inits fifth year, this report reflects data from over 7,000 respondents since 2020. The 2025edition is based on a survey of 1,000 individuals aged 18-44, conducted in partnership withNational MI and FirstHome IQ, two organizations dedicated to expanding homeownershipaccessibility through financial education and lending solutions. OUR SPONSORS National Mortgage Insurance Corporation (National MI)is aprivate mortgage insurance company committed to enablinglow down payment borrowers to achieve homeownershipwhile protecting lenders and investors. National MI takes astraightforward approach to both products and practices toensure lenders' confidence in the loans they place with us. Learn more at NationalMI.com. FirstHome IQis a nonprofit organization focused on financialliteracy and homebuyer education for the next generation.FirstHome IQ offers an Ambassador Program for loan officersand real estate agents to access a library of educationmaterials and strategies to reach the next generation. Learn more at FirstHomeIQ.com. BACKGROUND & METHODOLOGY The NextGen Homebuyer Report was initiated in 2020 to address the growing need forinsights into the behaviors and preferences of younger generations of homebuyers. Over thepast five years, this research initiative has collected data from over 7,000 individuals, offering arich longitudinal perspective on trends in financial readiness, attitudes toward homeownership,and information-seeking behaviors. For the 2025 report, a survey was conducted in partnership with National MI, gatheringresponses from 1,000 participants aged 18 to 44. Respondents were segmented into threegroups: Gen Z (18-24), Younger Millennials (25-34), and Older Millennials (35-44). The surveyaimed to capture a diverse and representative sample by race, income, and gender, with 52%of respondents identifying as female and 48% as male. The sample reflects current populationdemographics to ensure the findings are applicable across varied communities. SURVEY DESIGN The survey featured a mix of quantitative and qualitative questions, focusing on: Financial health, including savings, debt, and stress levelsHomeownership aspirations, confidence, and perceived barriersTrust in financial professionals and institutionsPreferred channels for learning about homebuying and financial literacy Respondents shared their experiences and perspectives on key topics such as affordabilitychallenges, strategies for achieving homeownership, and the effectiveness of educationalcontent. The data was analyzed to identify generational differences, highlight significanttrends, and uncover actionable insights for industry professionals. TOP INSIGHTS2025 NEXTGEN HOMEBUYER REPORT Social Media and AI Are Emerging as Key Information Sources–40% of Gen Z use social media for homebuying research, comparedto 30% of Millennials. 35% of all respondents use ChatGPT or AI toolsfor information, with Gen Z leading at 43%. Homeownership is Still an Aspirational Goal– Nearly 60% of NextGenbuyers still see homeownership as attainable, though Gen Z (56%) is lessoptimistic than Millennials (61%). However, 59% believe it's currently not agood time to buy. YouTube is the Most Used Educational Platform for Homebuying–66% use YouTube for homebuying education, making it the topeducational source, followed by onli