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Why 40% of U.S. homeowners have no mortgage—and the number keeps growing
October 30, 2025/
A staggering 40.3% of U.S. owner-occupied housing units are now mortgage-free.
The portion of homeowners with no mortgage has ticked up almost every year since 2010—when it was 32.8%.
People aged 65 and older make up more than a third (34.1%) of current U.S. homeowners. Among those 65 and older, 64% own their primary homes free and clear.
BY Meghan Malas
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What percentage are owned by large corporations that are constantly building portfolios of homes?