For Gen Z, homeownership isn’t off the table, it’s being reassembled. As prices soar and wages stall, the next generation isn’t bowing out. They’re buying in — together.
A 2025 US report by National MI and FirstHome IQ shows that 32% of Gen Z adults (18–24) are open to co-buying a home — teaming up with friends, siblings or parents. That’s nearly double the rate of Millennials (18%). Sibling co-ownership alone has jumped from 4% in 2023 to 22% in 2025. Gen Z is also more likely than millennials to house hack; they‘re renting out part of their home to make the math work (23% vs. 17%).
💸 Still, only 56% of Gen Z believes homeownership is attainable (vs. 61% of Millennials), so they’re getting creative, with YouTube tutorials and ChatGPT chats fueling their financial literacy.
🛠️ Gen Z is fluent in remix culture. They co-design fashion lines, co-authoring identities, co-building digital worlds, and now, they’re co-owning real ones. For them, ownership is less about solo independence and more about shared stakes, flexible models and collaborative futures.
Yes, co-buying brings complexity (94% of co-owners say they need help managing agreements), but Gen Z is undeterred. They don’t fear the fine print; they value the shared payoff.
👀 Is your brand ready for the co-everything era?
