2025年新一代购房者报告：金融素养版

BY KRISTIN MESSERLI INTRODUCTION The American dream of homeownership is evolving,and so are the people pursuing it.Thisyear's research goes beyond measuring what homebuyers know,and explores how they think,feel,and behave when making financial decisions.For the first time,we've incorporated What's New This Year: Expanded psychological analysis of decision confidence,trust patterns,and cognitive loadEnhanced focus on neurodivergence with 27%of respondents identifying asneurodivergent The findings reveal a generation caught between aspiration and anxiety—buyers who want tosucceed but feel overwhelmed by complexity,who distrust traditional institutions but crave By understanding the gaps in education and understanding the psychology of NextGenbuyers,housing professionals have a unique opportunity to design more effective educational Kristin MesserliExecutive Director,FirstHome IQ ABOUT NEXTGENHOMEBUYER RESEARCH The 2025 NextGen Homebuyer Research Series is designed to provide insights into theevolving homeownership landscape for Gen Z and Millennial buyers.In its fifth year,this reportpresents its 10th study,utilizing data analysis from more than 7,500 respondents collected OUR SPONSORS National Mortgage Insurance Corporation(National MI)is aprivate mortgage insurance company committed to enablinglowdown payment borrowers to achieve homeownership 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 officers BACKGROUND & METHODOLOGY Study Design The Financial Literacy study represents a comprehensive examination of financial knowledge,psychological barriers,and information-seeking behaviors among NextGen homebuyers.Thisresearch builds on five years of data analysis,feedback from first-time homebuyers and Sample Profile Total Respondents:500 U.S.homebuyersAge Range:18-44 years across three generational cohortsGen Z(18-24)Younger Millennials(25-34)Older Millennials(35-44)Gender Distribution:52%female,48%maleOtherFactors:Reflects current population demographics across race,income,andgeography within the U.S.Homebuying Intent:62%planning to purchase within 1-3 years Research Instruments FirstHome IQ Quiz-Validated Assessment ToolThe FirstHome IQ Quiz serves as the study's primary homebuyer literacy measurementinstrument.Originally developed and validated in 2023,this assessment has collected over5,000 responses,establishing baseline measurements and reliability benchmarks for 2025 Quiz Updates:Based on two years of data analysis and feedback from first-time buyersandindustry professionals,the instrument was enhanced for improved accuracy and Quiz Structure: MortgageReadiness:5 questions assessing understanding of credit,debt-to-incomeratios,and loan qualificationHomebuyingFinancials:5 questions covering costs,down payments,and financial planningHomeownership Strategy:5 questions evaluating long-term financial planning and market Research Instruments Continued Expanded Research Modules Psychology&Mindset Measures: Financial Mindset AssessmentTrust evaluation across financial information sourcesCognitive overwhelm and avoidance behavior indicatorsDecision confidence and neurocognitive factors Platform&Tool Usage Analysis: Social media platform preferences and usage patternsAI and digital tool adoption and trust levelsInformation verification and cross-checking behaviors Standard demographics(age,gender,race/ethnicity,income,education)Neurodivergence self-identificationHomebuying timeline and intent Data Analysis Framework This study employed a mixed-method,quantitative survey analysis approach using multipleanalyticaltechniques to examine relationships between financial literacy,demographic Cross-Tabulation Analysis Systematic exploration of relationships between variables to understand how knowledge,trust,and behavior varied by subgroup: Demographic analysis:Generation,gender,race,income,and education correlationsPsychographic analysis:mindset,neurodivergence,overwhelm levels,and trustBehavioral analysis:AI tool adoption and social platform usage patternsPerformance analysis:Trust levels correlated with quiz performance outcomes Statistical Validation Significance testing:Chi-square tests for categorical data and t-tests/ANOVA for quizscore comparisonsThreshold:p<0.05 for statistical significance,with notation of marginal trends Survey Administration:Online survey hosted via Pollfish with representative quotas for age,gender,and region to ensure demographic balance and statistical validity. BY KRISTIN MESSERLI The Down Payment Myth Remains–Nearly half of NextGen believeyou need 20%down to buy a home,and only 8%correctly identified Mortgage Insurance is Misunderstood–Only 35%recognize its mainbenefit(enabling smaller down payments),and just 57%know it can be Design Matters–72%wish financial resources were designed in a Financial Ov