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So, Why Does Homeownership Matter?

By HOM Editor
December 2016

Life is filled with tough choices and Americans are facing a big one: Should we continue to support the dream of home ownership?

Survey data continues to show that the vast majority of Americans believe that buying a home is a solid financial decision.

When asked for reasons about why, popular answers include:

  • building equity
  • wanting a stable and safe environment, and
  • having the freedom to choose where they live.

If you are a homeowner, you likely agree with these and can probably come up with a few more.

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However, home ownership isn’t accessible to everyone.  First-time homebuyers face a number of potential obstacles:

  • Many people, especially millennials, have high levels of college debt and student loans.
  • A majority of people with full-time jobs do not make enough money to afford a home.
  • Most people do not believe they have enough money saved for a down payment and closing costs.

Current public policy recognizing the value of homeownership and can be an effective tool to help address some of difficulties home buyers face.  But, this support cannot be taken for granted. In fact, homeowners are increasingly being forced to speak up to protect the investments they have made.

There’s no question that Americans need to make some tough choices about priorities, especially with our tax dollars. Whether you are a homeowner or aspire to be one, changes in policies supporting home ownership potentially impact your own wallet and family as well as our recovering housing market and broader economy… and the institution of home ownership – the American Dream itself – for generations to come.

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