Recent data from the National Association of Realtors (NAR) highlights a significant trend among single Gen Z women in the housing market. Survey findings reveal that single women in this age group accounted for 35% of all Gen Z homebuyers, whereas single men represented 18%. The survey reviewed homebuyers across generations from July 2024 to June 2025, including individuals ranging from Gen Z, ages 18-26, to the Silent Generation, ages 80 to 100.

During this period, only 4% of homebuyers were from Gen Z, defined as those born between 1999 and 2011. Additionally, the share of homes purchased by first-time buyers of all ages dropped to its lowest since 1981. First-time buyers often lack equity for a down payment, which was the case for Bri LaFluer. After saving diligently and working two jobs, she bought her house in 2023 at 24. Her journey started in 2021, when low mortgage rates fueled fierce market competition. After two years, she acquired a three-bedroom home in Baldwinsville, NY, for $175,000. LaFluer, a video game content creator, saved for a $20,000 down payment by living with her mom and paying modest rent.

Single women have consistently purchased homes at higher rates than single men since at least 1981. In the recent survey period, single women represented a quarter of all homebuyers, compared to 11% for single men. One reason for this trend is that women are surpassing men in higher education, leading to higher earnings, explains Jessica Lautz, NAR’s deputy chief economist. Women also value homeownership as a means of independence.

The challenges facing aspiring Gen Z homeowners include starting careers and potential student loan debt. The median income for Gen Z homebuyers was $76,000 as of 2024, the lowest among generations. Although high home prices have strained affordability, recent slowing growth gives some relief. NAR reports the median home price at $417,700 last month, up 0.9% from the previous year.

Many Gen Z buyers receive family financial support or explore community grants for first-time buyers. According to NAR, 10% of them used 401(k) savings for a down payment. Others, like Mariah Berry, saved on their own. Berry, a social media content creator, prioritized long-term financial stability over short-term enjoyment. This approach enabled her to purchase a home in Charleston, Tennessee, at 23. Berry invested $7,000 for her two-bedroom unit in a duplex, secured with a 30-year mortgage at 6% interest.

Berry is contemplating acquiring the other half of the duplex for rental opportunities. She reflects on her achievement of homeownership at such a young age, acknowledging the initial uncertainties but recognizing the substantial potential benefit.