One in Four Americans Say Homeownership Out of Reach, Poll Finds

Why It Matters

The findings signal a widening affordability gap that could dampen future housing demand and reshape banking services toward more proactive financial‑planning solutions.

Key Takeaways

• 25% of Americans view homeownership as out of reach
• Only 13% expect to buy a home by 2026
• 44% list housing costs as top financial worry
• 33% make daily financial trade‑offs; 88% adjust finances
• Households earning $100k+ also report daily compromises

Pulse Analysis

The KeyBank 2026 Financial Mobility Pulse Poll underscores a growing disconnect between the American dream of homeownership and current market realities. While a quarter of respondents say buying a home feels beyond their means, only a modest 13% feel confident they can achieve it within the year. Housing costs have surged to become the leading financial concern for 44% of adults, eclipsing healthcare and other expenses. This shift reflects broader macro‑economic pressures, including rising mortgage rates and limited inventory, that are reshaping consumer expectations.

Beyond housing, the poll reveals a pervasive culture of daily financial compromise. One in three Americans reports making trade‑offs every day, and an overwhelming 88% have taken at least one meaningful adjustment, such as switching to cheaper brands, cutting subscriptions, or taking on side work. Notably, even high‑income households—those earning $100,000 or more—are not immune, with a quarter of them making daily compromises. These behaviors suggest a strategic, rather than reactive, approach to budgeting, as consumers prioritize essential spending and seek supplemental income to preserve financial stability.

For banks and policymakers, the data presents both a challenge and an opportunity. Financial institutions can differentiate themselves by offering tailored education, flexible financing products, and digital tools that help consumers map a realistic path to ownership. Meanwhile, policymakers may need to consider measures that address supply constraints and affordability, such as incentivizing new construction or expanding down‑payment assistance programs. As consumers continue to adapt proactively, the institutions that provide clear, supportive pathways to homeownership are likely to capture lasting loyalty and drive healthier mortgage markets.