This Fair Housing Month, KeyBank Survey Finds Guidance and Planning Can Boost Homebuyer Confidence
KeyBank's 2025 Financial Mobility Survey reveals concerning trends in homeownership accessibility, with 46% of non-homeowners viewing homeownership as unattainable, up from 39% last year. Despite these challenges, the survey highlights positive pathways through financial education and guidance.
Key findings show that 47% of younger individuals without mortgages are reducing spending to save for homes, though 60% remain skeptical about future homeownership. However, among recent homebuyers, 30% credit meetings with mortgage loan officers for influencing their purchase decision, up from 19% previously.
The survey, conducted in September 2024 with 1,000 Americans, emphasizes that financial education and planning tools can boost homebuyer confidence. Specifically, 48% of potential buyers and 45% of renters said budgeting education for down payments and closing costs would increase their confidence. Recent homebuyers also showed the highest confidence in financial emergencies and positive economic outlook.
Il sondaggio sulla mobilità finanziaria 2025 di KeyBank rivela tendenze preoccupanti nell'accessibilità alla proprietà della casa, con il 46% dei non proprietari che considera la proprietà della casa inaccessibile, in aumento rispetto al 39% dello scorso anno. Nonostante queste sfide, il sondaggio evidenzia percorsi positivi attraverso l'educazione finanziaria e la guida.
I risultati chiave mostrano che il 47% dei giovani senza mutui sta riducendo le spese per risparmiare per acquistare una casa, anche se il 60% rimane scettico riguardo alla futura proprietà della casa. Tuttavia, tra i recenti acquirenti di case, il 30% attribuisce ai colloqui con funzionari di prestiti ipotecari l'influenza sulla loro decisione d'acquisto, in aumento rispetto al 19% precedente.
Il sondaggio, condotto a settembre 2024 con 1.000 americani, sottolinea che l'educazione finanziaria e gli strumenti di pianificazione possono aumentare la fiducia degli acquirenti di case. In particolare, il 48% dei potenziali acquirenti e il 45% degli affittuari hanno affermato che l'educazione al budgeting per i pagamenti iniziali e le spese di chiusura aumenterebbe la loro fiducia. I recenti acquirenti di case hanno mostrato anche la maggiore fiducia in caso di emergenze finanziarie e in un'ottica economica positiva.
La Encuesta sobre Movilidad Financiera 2025 de KeyBank revela tendencias preocupantes en el acceso a la propiedad de vivienda, con un 46% de los no propietarios que ven la propiedad de vivienda como inalcanzable, un aumento desde el 39% del año pasado. A pesar de estos desafíos, la encuesta destaca caminos positivos a través de la educación financiera y la orientación.
Los hallazgos clave muestran que el 47% de los jóvenes sin hipotecas están reduciendo gastos para ahorrar para comprar casas, aunque el 60% sigue siendo escéptico sobre la futura propiedad de vivienda. Sin embargo, entre los compradores recientes de viviendas, el 30% atribuye a las reuniones con oficiales de préstamos hipotecarios la influencia en su decisión de compra, un aumento desde el 19% anterior.
La encuesta, realizada en septiembre de 2024 con 1,000 estadounidenses, enfatiza que la educación financiera y las herramientas de planificación pueden aumentar la confianza de los compradores de vivienda. Específicamente, el 48% de los compradores potenciales y el 45% de los inquilinos dijeron que la educación sobre presupuestos para pagos iniciales y costos de cierre aumentaría su confianza. Los compradores recientes de viviendas también mostraron la mayor confianza en emergencias financieras y en una perspectiva económica positiva.
KeyBank의 2025 금융 이동성 조사는 주택 소유 접근성에 대한 우려스러운 경향을 드러내며, 비소유자 중 46%가 주택 소유를 달성할 수 없다고 보고하고 있으며, 이는 지난해 39%에서 증가한 수치입니다. 이러한 도전에도 불구하고, 조사는 금융 교육 및 안내를 통해 긍정적인 경로를 강조합니다.
주요 결과에 따르면, 모기지가 없는 젊은이의 47%가 주택 구매를 위해 지출을 줄이고 있지만, 60%는 미래의 주택 소유에 대해 회의적입니다. 그러나 최근 주택 구매자 중 30%는 주택 담보 대출 담당자와의 회의가 구매 결정에 영향을 미쳤다고 전하며, 이는 이전의 19%에서 증가한 수치입니다.
2024년 9월에 1,000명의 미국인을 대상으로 실시된 이 조사는 재정 교육 및 계획 도구가 주택 구매자의 자신감을 높일 수 있음을 강조합니다. 특히, 48%의 잠재 구매자와 45%의 임대인이 계약금 및 마감 비용을 위한 예산 교육이 자신감을 높일 것이라고 응답했습니다. 최근 주택 구매자들은 금융 비상 사태와 긍정적인 경제 전망에 대한 자신감도 가장 높았습니다.
L'enquête sur la mobilité financière 2025 de KeyBank révèle des tendances préoccupantes concernant l'accessibilité à la propriété, avec 46% des non-propriétaires considérant la propriété comme inaccessible, en hausse par rapport à 39% l'année dernière. Malgré ces défis, l'enquête met en évidence des voies positives grâce à l'éducation financière et à l'accompagnement.
Les résultats clés montrent que 47% des jeunes sans hypothèque réduisent leurs dépenses pour épargner en vue d'acheter une maison, bien que 60% restent sceptiques quant à la propriété future. Cependant, parmi les récents acheteurs de maison, 30% attribuent aux rencontres avec des agents de prêts hypothécaires l'influence sur leur décision d'achat, contre 19% auparavant.
L'enquête, menée en septembre 2024 auprès de 1 000 Américains, souligne que l'éducation financière et les outils de planification peuvent renforcer la confiance des acheteurs de maison. Plus précisément, 48% des acheteurs potentiels et 45% des locataires ont déclaré que l'éducation budgétaire pour les acomptes et les frais de clôture augmenterait leur confiance. Les récents acheteurs de maison ont également montré la plus grande confiance en cas d'urgence financière et une perspective économique positive.
Die Finanzmobilitätsumfrage 2025 von KeyBank zeigt besorgniserregende Trends in Bezug auf den Zugang zum Eigenheim, wobei 46% der Nicht-Eigentümer die Eigenheimfinanzierung als unerreichbar ansehen, ein Anstieg von 39% im letzten Jahr. Trotz dieser Herausforderungen hebt die Umfrage positive Wege durch finanzielle Bildung und Beratung hervor.
Wichtige Ergebnisse zeigen, dass 47% der jüngeren Personen ohne Hypotheken ihre Ausgaben reduzieren, um für ein Eigenheim zu sparen, obwohl 60% skeptisch gegenüber einer zukünftigen Eigenheimfinanzierung bleiben. Unter den kürzlichen Hauskäufern geben jedoch 30% an, dass Gespräche mit Hypothekenberatern ihre Kaufentscheidung beeinflusst haben, ein Anstieg von 19% zuvor.
Die Umfrage, die im September 2024 mit 1.000 Amerikanern durchgeführt wurde, betont, dass finanzielle Bildung und Planungswerkzeuge das Vertrauen der Hauskäufer stärken können. Insbesondere sagten 48% der potenziellen Käufer und 45% der Mieter, dass Bildung im Bereich Budgetierung für Anzahlungen und Abschlusskosten ihr Vertrauen erhöhen würde. Kürzliche Hauskäufer zeigten auch das größte Vertrauen in finanziellen Notlagen und eine positive wirtschaftliche Perspektive.
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While many believe owning a home is not an attainable goal for themselves nor the average American, potential homeowners do have access to more financial tools and education and are more capable than they think on their journeys toward homeownership
April is Fair Housing Month, a time to examine and highlight ways to make homeownership more accessible and sustainable. While the market for homeownership in America remains tricky to navigate, it is important to note that potential homeowners have access to a variety of financial tools and education and are more capable than they think on their journeys toward homeownership.
Many don't believe they'll ever own a home
Forty-six percent of respondents who do not already own a home say that home ownership is not attainable for them or their families, up from
Half (
Home-buying programs make a difference
Survey respondents said financial education can help them be more confident in the home-buying process. This includes budgeting for a down payment and closing costs for those in the market (
"Owning a home is a significant milestone, and many potential buyers don't realize the valuable resources available to help them get there," said Dale Baker, President of Home Lending at KeyBank. "Banks and financial institutions offer guidance, education, and tools to help individuals navigate the homebuying process with confidence. By building a strong relationship with your bank, homeownership can become a more achievable and sustainable reality."
Homeownership inspires financial confidence
Those who just purchased a home are most confident in their ability to come up with
Building a relationship with your bank can help
Whether you're in the market for a new home or looking to improve your current home, your bank can help make homeownership more affordable and sustainable. A Financial Wellness Review with a banker at your local KeyBank branch can help get you started on the path to saving for a downpayment on your first home or a new home.
KeyBank Mortgage Loan Officers are another great resource. They have information on home lending opportunities and programs to help you get started on the journey to homeownership.
It's also important to remember that even if you are pre-qualified for a certain home purchase price, the monthly payments might not be ideal for your budget. KeyBank's Mortgage Affordability Calculator can help you figure out a comfortable loan and payment amount. Don't forget to consider all the parts of a mortgage loan – down payment, principal, interest, property taxes, homeowners insurance and possible PMI.
"A home is more than just a purchase—it's a long-term investment in your financial future," said Rachael Sampson, Head of Community Banking at KeyBank. "At KeyBank, we're committed to helping all homebuyers not only achieve homeownership but also sustain it through expert guidance, financial planning, and ongoing support. From saving for a down payment to managing the costs of homeownership, we provide the tools and insights to help individuals and families build lasting financial confidence."
Our experts at KeyBank are here to support you at every step of your homebuying journey, from planning to celebrating your success.
About the KeyBank 2025 Financial Mobility Survey: This survey was conducted online by Schmidt Market Research in September 2024, polling 1,000 Americans, ages 18 – 70, with sole or shared responsibility for household financial decisions, who own a checking or savings account. The survey sought to gain insight into financial resiliency and explored respondents' spending and savings habits, levels of financial confidence and financial resiliency, economic sentiment, and impacts of societal trends and pressures over the prior year.
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ABOUT KEYCORP
In 2025, KeyCorp (NYSE: KEY) celebrates its bicentennial, marking 200 years of service to clients and communities from
Key provides deposit, lending, cash management, and investment services to individuals and businesses in 15 states under the name KeyBank National Association through a network of approximately 1,000 branches and approximately 1,200 ATMs. Key also provides a broad range of sophisticated corporate and investment banking products, such as merger and acquisition advice, public and private debt and equity, syndications and derivatives to middle market companies in selected industries throughout
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FAQ
What percentage of non-homeowners consider home ownership unattainable according to KeyBank's 2025 survey?
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What percentage of potential homebuyers say budgeting education would help their confidence?
