U.S. homeowners lost some equity over the past year as home price growth slowed, though overall equity levels remain historically high.

A new report from Cotality found that borrower equity declined by $78.8 billion in the fourth quarter of 2025 compared with a year earlier — a drop of about 0.5%.

On average homeowners lost roughly $8,500 in equity between the fourth quarter of 2024 and the same period in 2025.

Despite the decline, the average homeowner with a mortgage still holds about $295,000 in equity.

Data shows that total homeowner equity among borrowers with mortgages stood at roughly $17 trillion during details ⇒

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