Nearly Half of U.S. Homes Are Equity-Rich, Here’s What That Means for You

What Is an Equity-Rich Home?

Being equity-rich means you owe less than 50% of your home’s value on your mortgage. According to ATTOM’s Q1 2025 report, 46.2% of U.S. homes fall into that category.

That’s almost 1 in 2 homeowners sitting on serious equity, and most don’t have a plan for it. They’re either afraid to touch it, unsure how it works, or just unaware of how much it’s grown.

At Jelaine & Co., we say this all the time:

Your home is more than shelter, it’s a strategy.

Key Takeaways from the Q1 2025 ATTOM Report 

Top Performing States:

1. Vermont: 85.8% of homes are equity-rich

2. New Hampshire: 60.5%

3. Rhode Island: 59.8%

4. California: 57.4%

5. Montana: 59.4%

These homeowners have access to major capital they could tap into right now, if they have a plan.

States That Are Slipping:

1. Florida dropped from 54.4% to 49.3%

2. Arizona, Washington, and Utah also saw declines

This dip could mean a shifting market, but also a window of opportunity before equity drops further.

Why Home Equity Matters Now

With inflation high and the cost of living rising, equity can be the difference between surviving and building something sustainable. It can help you:

1. Pay off high-interest debt

2. Fund a rental property or flip

3. Launch a new stream of income

4. Invest wisely into your future
   

The catch? You need a strategy. That’s where most people get stuck.

How Jelaine & Co. Helps You Leverage It

At Jelaine & Co., we don’t just talk funding, we guide you through the full journey:

✅ Run the numbers on your home equity

✅ Review whether a HELOC, HELOAN, or refi is right for your goals

✅ Strategize how to use your funds to generate income through real estate

✅ Coach you to think like an investor, not just a homeowner

You don’t need to chase 5 side hustles when your home might already be the key.

Final Word: Move Strategically, Not Emotionally

If you’re equity-rich, that’s a gift. But gifts come with responsibility.

You can sit on it, or you can steward it. And we’re here to help you do it wisely.

👉 Book a free strategy session and let’s make your equity work smarter, not harder.

#StrategyOverStruggle