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As of April 2025, the median U.S. home price reached $846,240, with recent quarterly data showing a peak at $862,600. Over the past decade, homeowners have seen significant equity growth—up to $512,710 gained in just 10 years. Even in a single year, the average homeowner gained over $47,000 in equity. Meanwhile, housing construction continues to lag behind demand, with 12,384 single-family permits issued within the past 12 months. This long-term imbalance between home price growth and new construction underscores the ongoing affordability challenges in today’s housing market and the value of homeownership as a wealth-building tool.