{"id":30,"date":"2026-09-26T09:00:00","date_gmt":"2026-09-26T09:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/janineg-com\/2026\/09\/26\/homeowners-sit-on-record-equity-why-most-still-cant-afford-to-move-up-in-2026\/"},"modified":"2026-09-26T09:00:00","modified_gmt":"2026-09-26T09:00:00","slug":"homeowners-sit-on-record-equity-why-most-still-cant-afford-to-move-up-in-2026","status":"publish","type":"post","link":"https:\/\/www.janineg.com\/blog\/2026\/09\/26\/homeowners-sit-on-record-equity-why-most-still-cant-afford-to-move-up-in-2026\/","title":{"rendered":"Homeowners Sit on Record Equity \u2014 Why Most Still Can&#8217;t Afford to Move Up in 2026"},"content":{"rendered":"<div class=\"roomvu-news-container\">\n<p>U.S. mortgage holders held a record $18 trillion in home equity in Q2 2026, with $11.7 trillion tappable equity. Despite this wealth, many cannot afford to move up due to higher replacement mortgage rates near 7%, increased taxes, and insurance costs, which raise monthly payments significantly. This &quot;equity paradox&quot; means owners often stay put, renovate, rent out, downsize geographically, or use bridge financing instead of trading up.<\/p>\n<p>\t<a class=\"roomvu-news-continue\" href=\"https:\/\/www.noradarealestate.com\/blog\/homeowners-record-equity-cant-afford-move-up\/\"><\/p>\n<div>Continue to full article<\/div>\n<p>\t<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>U.S. mortgage holders held a record $18 trillion in home equity in Q2 2026, with $11.7 trillion tappable equity. Despite this wealth, many cannot afford to move up due to higher replacement mortgage rates near 7%, increased taxes, and insurance costs, which raise monthly payments significantly. This &quot;equity paradox&quot; means owners often stay put, renovate, [&hellip;]<\/p>\n","protected":false},"author":0,"featured_media":62,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-30","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.janineg.com\/blog\/wp-json\/wp\/v2\/posts\/30","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.janineg.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.janineg.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/www.janineg.com\/blog\/wp-json\/wp\/v2\/comments?post=30"}],"version-history":[{"count":0,"href":"https:\/\/www.janineg.com\/blog\/wp-json\/wp\/v2\/posts\/30\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.janineg.com\/blog\/wp-json\/wp\/v2\/media\/62"}],"wp:attachment":[{"href":"https:\/\/www.janineg.com\/blog\/wp-json\/wp\/v2\/media?parent=30"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.janineg.com\/blog\/wp-json\/wp\/v2\/categories?post=30"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.janineg.com\/blog\/wp-json\/wp\/v2\/tags?post=30"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}