What the Census Bureau measures
The American Community Survey's 2020–2024 five-year estimates put the median value of an owner-occupied home in the United States at $332,700. About 65% of occupied homes are owner-occupied and 35% are rented, and roughly half of all homes were built before 1980 — a national housing stock old enough that condition, repairs, and disclosures come up in a great many sales.
The Census Bureau's quarterly survey of housing vacancies and homeownership put the national homeownership rate at 65.0 percent in the second quarter of 2026, virtually the same as a year earlier.
Where prices are heading
The Federal Housing Finance Agency's House Price Index rose 0.3 percent in July 2026 and 2.6 percent from a year earlier. A national index is an average across very different markets, and it is not a value for any one house — the state, county, and city pages carry the local figures.
Help that is independent of any buyer
USA.gov gathers federal housing help, including programs for home repair and for avoiding foreclosure and eviction. The Consumer Financial Protection Bureau publishes resources for homeowners who are having trouble paying a mortgage, and HUD lists approved housing counselors who can advise on options. They are worth a call before any sale decision made under pressure.
Authoritative sources
These official resources are starting points for records or public guidance. They do not replace property-specific professional advice.
- American Community Survey summary files (2020–2024 5-year)U.S. Census Bureau: median value, tenure, and year built.
- Housing vacancies and homeownership (CPS/HVS)U.S. Census Bureau: 65.0% homeownership, Q2 2026.
- FHFA House Price Index, monthly release (September 2026)Up 0.3% in July 2026; up 2.6% from a year earlier.
- Housing help (USA.gov)Federal housing assistance, including avoiding foreclosure.
- Mortgages (Consumer Financial Protection Bureau)Resources for homeowners having trouble paying a mortgage.
- Talk to a housing counselor (HUD)HUD's directory of approved housing counselors.
This material is general education. Contract, legal, tax, title, probate, foreclosure, tenant, insurance, safety, and property-condition questions may require qualified professional advice.

