根据2025年Realtor.com的分析,房主净值是租户净值的43倍,由住房股本增长驱动。 Homeowners' net worth is 43 times that of renters, driven by home equity growth, according to a 2025 Realtor.com analysis.

根据2025年Realtor.com使用2022年联邦储备基金数据进行的分析,美国房主目前拥有的房主净值约43倍,房主财富中位数为396,200美元,而租户则为10,400美元。 Homeowners in the U.S. now hold about 43 times the net worth of renters, with median homeowner wealth at $396,200 versus $10,400 for renters, according to a 2025 Realtor.com analysis using 2022 Federal Reserve data. 这一差距是创纪录的三年增长幅度最大的差距,其主要驱动力是住房股本,随着抵押贷款的支付和财产价值的提高,住房股本不断增长。 The gap, the largest three-year increase on record, is primarily driven by home equity, which grows as mortgages are paid and property values rise. 租房者支付房屋费用时没有建筑产权, 意思是他们的付款不会带来长期财富。 Renters pay housing costs without building equity, meaning their payments don’t contribute to long-term wealth. 趋势表明,住房所有权仍然是金融积累的主要驱动力,而租户在建立可比资产方面面临更大的挑战。 The trend suggests homeownership remains a key driver of financial accumulation, while renters face greater challenges in building comparable assets.