🏡 Dear Gen Z and Millennials: Yes, You Can Buy a Home in 2025

Hey, you. Yes, you—scrolling through listings and wondering if you’ll ever afford a house. We get it. Between avocado toast jokes, sky-high rent, and the occasional “you should’ve bought in 2012” comment from your uncle, the dream of homeownership can feel… distant.

But here’s the truth: A recent 2025 NextGen Homebuyer Report proves that you’re not only dreaming about buying a home—you’re actively changing the game.

So let’s break it down. No jargon. No pressure. Just real talk from one generation of dreamers to another.

💸 First of All: It’s Not Just You—Affording a Home Is Hard

72% of Gen Z and Millennial buyers said the biggest thing holding them back is affordability. Yeah. Duh.

Between:

• Crushing rent
• Student loans
• And wages that haven’t exactly kept up with inflation
  

…it’s no wonder you feel priced out.

But here’s the thing—people are still buying homes. You don’t have to have a six-figure salary or a 20% down payment to get started. There are grants, low-down-payment loans, and professionals who actually want to help you understand your options—not just sell you something.

🧠 You Want to Learn—Not Be Sold To

81% of you said it loud and clear: “Teach me, don’t pitch me.”

We love this energy. You’re not here for sleazy sales tactics or mystery fees. You want:

• Clear explanations
• Step-by-step breakdowns
• And people who respect your intelligence
  

Whether you’re watching YouTube videos about mortgages or reading Reddit threads about credit scores, you’re doing your homework—and that’s powerful.

💡 Pro tip: Look for lenders and realtors who offer free webinars, TikToks that actually explain things, or IG Q&As. They’re out there. The good ones want to educate you.

📱 Yes, You Can Start With TikTok (Seriously)

60% of Gen Z is learning about homeownership on platforms like TikTok, YouTube, and Instagram.

And it makes sense. That’s where you already are.

So if you’re scrolling, wondering:

• “What the heck is escrow?”
• “Do I need a realtor?”
• “Is my credit score good enough?”
  

…you’re not alone. Find creators who keep it real, break down the process, and make this info actually understandable.

Just make sure you’re double-checking things with a trusted professional (because not every TikTok finance guru has your best interests in mind).

🏡 Representation Matters—And You’re Asking for It

64% of diverse buyers said they’re more likely to trust someone who looks like them or understands their background. YES. 👏🏽👏🏾👏🏿

You want real estate and mortgage pros who:

• Speak your language (literally and figuratively)
• Get your culture
• Don’t talk down to you
  

And that’s valid. Because feeling seen and respected shouldn’t be a bonus—it should be the bare minimum.

🔄 You’re Rewriting the Homebuying Script

You’re not buying homes just because you “should.” You’re doing it with intention.

Maybe you’re:

• Building generational wealth
• Creating a safe space for your family
• Escaping that landlord who still hasn’t fixed the heat
  

Or maybe you just want to paint your kitchen pink without asking permission. 💅

Whatever your reason, your goals matter. And the way you want to get there? It’s different—and that’s a good thing.

🔍 So Where Do You Even Start?

Here’s your No-BS beginner checklist:

✅ Know your credit score
Check it. Own it. Improve it if you need to.

✅ Start budgeting
Even if you’re not ready to buy for a year or two, track your spending. Future You will thank you.

✅ Follow smart people on social
Find mortgage pros and realtors who explain things in plain English.

✅ Talk to a loan officer
Not to apply—just to ask questions. A good one will walk you through options without pressure.

✅ Explore assistance programs
First-time buyer grants are real. So are state-specific programs. Free money? Yes, please.

✨ Final Thoughts: You’re More Ready Than You Think

The system isn’t perfect. The market can be wild. And yes, the journey might feel overwhelming. But you’re not alone—and you’re not behind.

Gen Z and Millennials are already making moves, and the 2025 NextGen Homebuyer Report proves it. You’re showing up, doing the work, and changing what homeownership looks like for the future.

So the next time someone says, “Young people don’t want to buy houses,” go ahead and show them this article.

You’ve got this. 🏠💪