How Much Equity Do You Have in Your Home?

The average American homeowner now has about $313,000 in home equity, according to the latest 2025 data. That’s the gap between what a home is worth and what’s still owed on the mortgage—and it’s grown steadily in recent years. Nearly $203,000 of that is tappable, meaning it could be accessed through a home equity loan or line of credit while still leaving 20% equity untouched.

Thanks to rising home values and consistent payments, almost half of all mortgaged homes in the U.S. are now considered “equity rich,” where the owner owes less than half of the home’s value. Homeownership remains one of the most effective ways Americans build long-term wealth.