12/19/2025
U.S. homeowners lost an average of $13,400 in equity over the past year, leaving about $299,000 in home value, as equity gains begin to stall or reverse in several markets, according to a new Cotality report.
The decline is being driven in part by recent buyers with low-down-payment loans in softer Sun Belt markets, while negative equity is rising even as overall homeowner equity remains historically high.
Top losers were Florida; Washington, D.C.; California; Washington state; and Hawaii, while top gainers were Connecticut, New Jersey, Rhode Island, Massachusetts and Maine.
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