America’s Wealthiest 1% Could Buy 99% of America’s Homes
Redfin (NASDAQ: RDFN) reports that America's wealthiest 1% could theoretically purchase almost every home in the United States, as their combined net worth of $49.2 trillion nearly matches the total value of U.S. homes at $49.7 trillion.
The top 1% (approximately 1.3 million households) have a minimum net worth of $11.2 million, with real estate comprising 12.3% ($6.1 trillion) of their wealth. In contrast, the bottom 50% of households hold just $3.9 trillion in total net worth, with real estate representing 46.4% ($1.8 trillion).
The wealth disparity is further highlighted by mortgage debt levels: while the bottom 50% owns $4.9 trillion in real estate with $3.1 trillion in mortgage debt, the top 1% holds $6.5 trillion in real estate with only $411.5 billion in mortgage debt. The ultra-wealthy top 0.1% (134,000 households) have accumulated $22.1 trillion in net worth, enough to purchase every home in America's 25 most populous metros.
Redfin (NASDAQ: RDFN) riporta che il 1% più ricco d'America potrebbe teoricamente acquistare quasi tutte le abitazioni negli Stati Uniti, poiché il loro patrimonio netto combinato di 49,2 trilioni di dollari si avvicina quasi al valore totale delle case statunitensi, pari a 49,7 trilioni di dollari.
Il top 1% (circa 1,3 milioni di famiglie) ha un patrimonio netto minimo di 11,2 milioni di dollari, con il settore immobiliare che rappresenta il 12,3% (6,1 trilioni di dollari) della loro ricchezza. Al contrario, il 50% più povero delle famiglie detiene solo 3,9 trilioni di dollari in patrimonio netto totale, con il settore immobiliare che rappresenta il 46,4% (1,8 trilioni di dollari).
La disparità di ricchezza è ulteriormente evidenziata dai livelli di debito ipotecario: mentre il 50% più povero possiede 4,9 trilioni di dollari in immobili con 3,1 trilioni di dollari di debito ipotecario, il top 1% detiene 6,5 trilioni di dollari in immobili con solo 411,5 miliardi di dollari di debito ipotecario. L'ultra-ricco top 0,1% (134.000 famiglie) ha accumulato 22,1 trilioni di dollari in patrimonio netto, sufficienti per acquistare ogni casa nelle 25 aree metropolitane più popolose d'America.
Redfin (NASDAQ: RDFN) informa que el 1% más rico de América podría teóricamente comprar casi todas las casas en los Estados Unidos, ya que su patrimonio neto combinado de 49.2 billones de dólares se acerca casi al valor total de las viviendas en EE. UU., que es de 49.7 billones de dólares.
El 1% superior (aproximadamente 1.3 millones de hogares) tiene un patrimonio neto mínimo de 11.2 millones de dólares, con bienes raíces que constituyen el 12.3% (6.1 billones de dólares) de su riqueza. En contraste, el 50% inferior de los hogares posee solo 3.9 billones de dólares en patrimonio neto total, con los bienes raíces representando el 46.4% (1.8 billones de dólares).
La disparidad de riqueza se destaca aún más por los niveles de deuda hipotecaria: mientras que el 50% inferior posee 4.9 billones de dólares en bienes raíces con 3.1 billones de dólares en deuda hipotecaria, el 1% superior posee 6.5 billones de dólares en bienes raíces con solo 411.5 mil millones de dólares en deuda hipotecaria. El ultra rico 0.1% (134,000 hogares) ha acumulado 22.1 billones de dólares en patrimonio neto, suficiente para comprar cada casa en las 25 áreas metropolitanas más pobladas de América.
레드핀 (NASDAQ: RDFN)에 따르면, 미국의 가장 부유한 1%가 이론적으로 미국의 거의 모든 주택을 구매할 수 있으며, 그들의 총 순자산이 49.2조 달러로 미국 주택의 총 가치인 49.7조 달러에 거의 근접한다고 합니다.
상위 1% (약 130만 가구)는 최소 순자산이 1,120만 달러이며, 부동산은 그들의 재산의 12.3% (6.1조 달러)를 차지합니다. 반면, 하위 50%의 가구는 총 순자산이 3.9조 달러에 불과하며, 부동산은 46.4% (1.8조 달러)를 차지합니다.
부의 불균형은 주택 담보 대출 수준에서도 더욱 두드러집니다: 하위 50%는 4.9조 달러의 부동산을 소유하며 3.1조 달러의 담보 대출이 있지만, 상위 1%는 6.5조 달러의 부동산을 보유하고 있으며 담보 대출은 411.5억 달러에 불과합니다. 초부유층인 상위 0.1% (134,000 가구)는 22.1조 달러의 순자산을 축적하여 미국의 25개 인구 밀집 대도시의 모든 주택을 구매할 수 있는 충분한 자금을 보유하고 있습니다.
Redfin (NASDAQ: RDFN) rapporte que le 1% le plus riche d'Amérique pourrait théoriquement acheter presque toutes les maisons aux États-Unis, car leur patrimoine net combiné de 49,2 trillions de dollars est presque équivalent à la valeur totale des maisons américaines qui s'élève à 49,7 trillions de dollars.
Le top 1% (environ 1,3 million de ménages) a un patrimoine net minimum de 11,2 millions de dollars, avec l'immobilier représentant 12,3% (6,1 trillions de dollars) de leur richesse. En revanche, le 50% inférieur des ménages détient seulement 3,9 trillions de dollars de patrimoine net total, l'immobilier représentant 46,4% (1,8 trillions de dollars).
La disparité de richesse est encore accentuée par les niveaux de dette hypothécaire : tandis que le 50% inférieur possède 4,9 trillions de dollars en biens immobiliers avec 3,1 trillions de dollars de dettes hypothécaires, le top 1% détient 6,5 trillions de dollars en biens immobiliers avec seulement 411,5 milliards de dollars de dettes hypothécaires. Les ultra-riches du top 0,1% (134 000 ménages) ont accumulé 22,1 trillions de dollars de patrimoine net, suffisamment pour acheter chaque maison dans les 25 zones métropolitaines les plus peuplées d'Amérique.
Redfin (NASDAQ: RDFN) berichtet, dass die reichsten 1% Amerikas theoretisch fast jedes Haus in den Vereinigten Staaten kaufen könnten, da ihr kombinierter Nettovermögen von 49,2 Billionen Dollar nahezu dem Gesamtwert der US-Häuser von 49,7 Billionen Dollar entspricht.
Die obersten 1% (etwa 1,3 Millionen Haushalte) haben ein Mindestvermögen von 11,2 Millionen Dollar, wobei Immobilien 12,3% (6,1 Billionen Dollar) ihres Vermögens ausmachen. Im Gegensatz dazu halten die unteren 50% der Haushalte nur 3,9 Billionen Dollar an Gesamtvermögen, wobei Immobilien 46,4% (1,8 Billionen Dollar) ausmachen.
Die Vermögensungleichheit wird durch die Hypothekenschulden weiter verdeutlicht: Während die unteren 50% 4,9 Billionen Dollar an Immobilien mit 3,1 Billionen Dollar an Hypothekenschulden besitzen, hält die obersten 1% 6,5 Billionen Dollar an Immobilien mit nur 411,5 Milliarden Dollar an Hypothekenschulden. Die ultra-reichen 0,1% (134.000 Haushalte) haben ein Nettovermögen von 22,1 Billionen Dollar angesammelt, genug, um jedes Haus in Amerikas 25 bevölkerungsreichsten Metropolregionen zu kaufen.
- None.
- Growing wealth inequality between top 1% and bottom 50% of households
- Bottom 50% carries disproportionately high mortgage debt ($3.1T) relative to real estate value ($4.9T)
- Bottom 50% heavily dependent on real estate (46.4% of wealth) with asset diversification
Redfin reports the combined net worth of America’s wealthiest
Even though the two numbers are not directly related, the growth trajectories of home values and the net worth of the top
Redfin Economics Research Lead Chen Zhao said that even though their assets are more diversified, the wealthiest
“This group is able to watch their real estate assets appreciate without facing mortgage interest payments, as they mainly buy homes with cash,” Zhao said. “It is a striking example of the concentration of wealth in America that the top
Real estate makes up
Roughly 1.3 million
Real estate represents
Wealth Percentile Tiers (net worth) |
No. of |
Total Net Worth |
Total Value of Real Estate |
Real Estate as a % of Net Worth |
Total Home Mortgage Debt |
Top
( |
1.3 million |
|
|
|
|
90-99th percentile
( |
12 million |
|
|
|
|
50-90th percentile
( |
53.2 million |
|
|
|
|
0-50th percentile
( |
66.6 million |
|
|
|
|
In comparison, the bottom
The level of home mortgage debt also highlights the difficulty facing the lowest wealth tier. The bottom
Wealthiest
Even among the wealthiest
The combined net worth of the top
And that wealth is growing fast, rising by
In comparison, the net worth of the bottom
This is according to an analysis of the Redfin Estimate for more than 98 million
To view the full report, including charts, methodology, and additional metro-level data, please visit: https://www.redfin.com/news/wealthy-aggregate-value-2025
About Redfin
Redfin (www.redfin.com) is a technology-powered real estate company. We help people find a place to live with brokerage, rentals, lending, and title insurance services. We run the country's #1 real estate brokerage site. Our customers can save thousands in fees while working with a top agent. Our home-buying customers see homes first with on-demand tours, and our lending and title services help them close quickly. Our rentals business empowers millions nationwide to find apartments and houses for rent. Since launching in 2006, we've saved customers more than
Redfin’s subsidiaries and affiliated brands include: Bay Equity Home Loans®, Rent.™, Apartment Guide®, Title Forward® and WalkScore®.
For more information or to contact a local Redfin real estate agent, visit www.redfin.com. To learn about housing market trends and download data, visit the Redfin Data Center. To be added to Redfin's press release distribution list, email press@redfin.com. To view Redfin's press center, click here.
View source version on businesswire.com: https://www.businesswire.com/news/home/20250311763660/en/
Contact Redfin
Redfin Journalist Services:
Ally Forsell, 206-588-6863
press@redfin.com
Source: Redfin
FAQ
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