2023年新生代女性购房者报告

By Kristin MesserliSponsored by National MI *For informational purposes only INTRODUCTION The 2023 NextGen Women’s Homebuyer Report is a research project developed in partnership with National MI to deliver practical insights into akey segment of today’s homebuyer population. Millennial women are the largest demographic purchasing homes independently in theUS today.Many of them are single and at least half of them are heads of household. Additionally, single women make up the second largestcohort of We may intellectually know that women make up a significant proportion of the market, but the datashows businesses are missing the mark in connecting with them. Women report feeling less trusting of While women have made significant strides in reducing gender inequality, women still experiencemajor disparities in financial and health outcomes. As a single millennial female, homeownership hasdramatically improved my sense of health, community, and financial wellness. My goal with this project I would love to hear your thoughts and questions, as we grow together. Please feel free toconnect with me on LinkedIn. Cheers, KristinMesserliAuthor|Speaker|Consultant A DISCLAIMER ON GENDER Data gathered in this report is inclusive of all survey respondents who self-identify as “woman” including cisgender andtransgender women. I would like to gather more data to represent the voice of the LGBTQ+ community in the future, which would Secondly, I want to acknowledge that this data is representative of the average responses within this population, and although wecollected a diverse representation of race, ethnicity, and geography, this will not reflect the views of all women. Lastly, research shows that women’s voices are still underrepresented across all industries today. This is why it is important for us toshare data about women and to be intentional today about designing our future with women and all voices in mind. NextGen Homebuyer Report2022 Top Insights Trust:One in three NextGen homebuyers saidthey did not trust their loan officer to helpthem make smart decisions about theirmortgage.4 Education:Lack of financial knowledge wasthe third biggest challenge this year forNextGen respondents.1 Experience:NextGen homebuyers who metin person were 41% more likely to give a 5-star experience vs buyers who had only metover online video.5 Support:Only 56% of NextGen consumerssaid they have the financial advice andsupport they need to achieve their financialgoals.2 Confidence:Over half of NextGenconsumers said they were not confident in thestability of the housing market.3 Kristin Messerli| BACKGROUND & METHODOLOGY The ongoing study of Millennial and Gen Z homebuyers currently includes a total of 3,250 respondents over three years. The majority of the research reflected in this study comes from data gathered in October 2022and January 2023, which includes the following: ●1,000 respondents, collected in October 2022 and 250 respondents in January 2023 ●Between the ages of 18-44, equal distribution between Gen Z (18-24), Younger Millennials (25-34),and Older Millennials (35-44)●Diverse sampling by race and income, representing population demographics●October sampling includes:○51% homeowners, 49% renters ●January sampling includes○Only renters○Over half stated homeownership is within their five-year plan ●Survey responses are collected through Pollfish, a market research software and survey tool Kristin Messerli| DEMOGRAPHICS TABLE OF CONTENTS Meet the Market: Wealth and Progressfor Women Consumers in the U.S.1 Challenges and Barriers Facing Millennial andGen Z Women Homebuyers2 Women’s Wealth &Power in the U.S. Education: Female vs. male heads of household are equallyeducated today, and that education correlates with higherrates of homeownership (Urban Institute) Purchasing Power: Women control a third of US household Head of Household: Among married households, the share ofwomen heads of household increased 24.3 percentage points,from 21.8 percent in 1990 to 46.1 percent in 2019. (Urban Decision-Making: There has been a 30% increase over thepast 5 years in married women making financial decisions. Single Women Buying More Homes: Single women are the second largestcohort of home buyers in the market today, double that ofsingle men (19% vs 9%). (NAR) Increasingly Head of Household: From 1990 to 2019, theshare of households headed by single women increased from Not Waiting for Marriage: 2 in 3 single women (65%) reportedthat they would rather not wait until they were married to buy Challengesfor nextgen women homebuyers Millennial & Gen Z Women Introduction to Challenges The largest barrier to women’s homeownership remains housing affordability, which three-quarters of womenstated was a current barrier to homeownership this year. While most of the respondents this year were optimistic Women consistently report higher levels of financial stress than men. There are many variables that contribu