The Great Homeownership Divide — Why Equity Is Power in Today’s Market

Introduction

The American dream of homeownership still stands as one of the most reliable paths to financial freedom. But the path looks very different in 2025 than it did even five years ago. Recent data from the National Association of Realtors’ 2025 Profile of Home Buyers & Sellers reveals a widening gap between those who already own homes and those trying to break in.

At The Borowski Group Realty, we see these numbers play out every day in the Wisconsin market — and we help clients on both sides of that divide turn the data into strategy.

Equity-Rich Sellers Are Winning Big

Homeowners who have built equity over time are sitting in a position of strength. Many are upgrading or downsizing with substantial cash reserves, and 26 percent of transactions nationwide are now completed with all-cash buyers.

That kind of leverage means sellers who plan strategically can maximize profits — especially with professional guidance that knows how to price, time, and position listings for today’s competitive buyers.

First-Time Buyers Face New Barriers

Meanwhile, the median down payment has climbed to 19 percent overall, and repeat buyers are putting down nearly a quarter of their home’s value. The share of first-time buyers has dropped to a historic low, signaling just how steep the climb has become for many hopeful homeowners.

Yet, opportunity still exists for those who plan creatively — from exploring lesser-known neighborhoods to leveraging buyer programs or alternative financing.

How The Borowski Group Helps Both Sides

• For Sellers: We perform in-depth equity analyses, helping you understand the real potential of your property and how to convert that value into future opportunity.

• For Buyers: We craft customized roadmaps that balance financing, timing, and location to make ownership achievable — even in a tight market.

The Takeaway

Equity has never been more valuable — or more defining. Whether you’re selling and ready to capitalize, or buying and eager to build wealth, The Borowski Group Realty turns data into direction and dreams into decisions.