{"id":979103,"date":"2026-07-07T10:29:18","date_gmt":"2026-07-07T14:29:18","guid":{"rendered":"https:\/\/www.marketnewsdesk.com\/index.php\/fico-consumer-study-most-americans-who-dont-own-a-home-say-homeownership-feels-out-of-reach\/"},"modified":"2026-07-07T10:29:18","modified_gmt":"2026-07-07T14:29:18","slug":"fico-consumer-study-most-americans-who-dont-own-a-home-say-homeownership-feels-out-of-reach","status":"publish","type":"post","link":"https:\/\/www.marketnewsdesk.com\/index.php\/fico-consumer-study-most-americans-who-dont-own-a-home-say-homeownership-feels-out-of-reach\/","title":{"rendered":"FICO Consumer Study: Most Americans Who Don\u2019t Own a Home Say Homeownership Feels Out of Reach"},"content":{"rendered":"<p>        <!--.bwalignc { text-align: center; list-style-position: inside }\n.bwlistdisc { list-style-type: disc }\n.bwuline { text-decoration: underline }body {font:normal small Arial,Helvetica,sans-serif;color:#000;background-color:#fff;padding:24px;margin:0;} a img {border:0;} h3 {font-size:medium;color:#000;margin:0 0 1em 0; text-align:center;}-->  <\/p>\n<p class=\"bwalignc\"><b>FICO Consumer Study: Most Americans Who Don\u2019t Own a Home Say Homeownership Feels Out of Reach<\/b><\/p>\n<p class=\"bwalignc\"><i>FICO\u2019s Homeownership Survey shows that 74% of prospective buyers report being financially blocked from buying a home this year amid current interest rates and rising home prices<\/i><\/p>\n<p>BOZEMAN, Mont.&#8211;(<a href=\"http:\/\/www.businesswire.com\">BUSINESS WIRE<\/a>)&#8211;<a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=https%3A%2F%2Fwww.fico.com%2F&amp;esheet=54566030&amp;newsitemid=20260707604520&amp;lan=en-US&amp;anchor=FICO&amp;index=1&amp;md5=e0d12c8d3090abda18be46e7ea95479f\"><b>FICO<\/b><\/a><b>(NYSE:FICO)<\/b>, global analytics software leader, today announced the results of the FICO Homeownership Survey, a new study that uncovers the financial barriers, knowledge opportunities and behavioral shifts impacting prospective homebuyers (defined as Americans who plan to buy a home in the next 12 months). From high home prices and rising interest rates, prospective buyers \u2013 especially first-time homebuyers \u2013 are facing multiple financial and economic stressors and as a result, report struggling to unlock their dreams of homeownership.<\/p>\n<p>\nThe research, conducted by The Harris Poll on behalf of FICO, also found that prospective homebuyers are eager for tools and financial education to help them feel more prepared to enter the market.<\/p>\n<p>\n\u201cBuying a home is one of the most significant financial decisions a person can make, yet for many Americans, rising home prices and interest rates are putting that goal further out of reach,&#8221; said <b>Jenelle Dito, vice president of consumer empowerment and partnership at FICO<\/b>. \u201cThese economic pressures aren&#8217;t just discouraging buyers \u2014 they&#8217;re fundamentally changing how Americans plan and prepare for this milestone. Prospective buyers, especially those entering the market for the first time, are delaying plans, adjusting expectations and navigating a process that many find confusing.\u201d<\/p>\n<p><b><span class=\"bwuline\">Key findings from the FICO Homeownership Survey include:<\/span><\/b><\/p>\n<ul class=\"bwlistdisc\">\n<li><b>Homeownership Feels Out of Reach for Most Americans Who Don\u2019t Own a Home: <\/b>Americans most commonly say owning a home represents independence (57%) and financial stability (53%), while first-time homebuyers (defined as those who have never owned a home) most commonly see it as achieving a major life milestone (49%). Yet despite these aspirations, 62% of Americans who don\u2019t currently own a home \u2014 and 57% of first-time homebuyers \u2014 say homeownership feels out of reach for them today. Just 15% of Americans plan to buy a home in the next 12 months.\n<\/li>\n<\/ul>\n<ul class=\"bwlistdisc\">\n<li><b>High Home Prices and Interest Rates Are the Top Barriers:<\/b> Three quarters (74%) of prospective homebuyers, and 85% of first-time homebuyers, say financial obstacles have prevented them from buying a home this year, with high home prices (34%) and high interest rates (33%) ranking as the top two barriers. Financial pressures are causing 74% of prospective homebuyers \u2014 and 85% of first-time homebuyers \u2014 to delay or reconsider their plans to purchase in the next 12 months. Rising interest rates alone have influenced the home-buying decisions of 51% of all Americans, 73% of prospective homebuyers and 81% of first-time homebuyers, with many either exploring more affordable markets (18%, 30%, 34%, respectively) or pausing their plans altogether (20%, 30%, 26%, respectively).\n<\/li>\n<\/ul>\n<ul class=\"bwlistdisc\">\n<li><b>Confusion About the Homebuying Process and Credit Exist: <\/b>Nearly 3 in 5 Americans (59%) say they don&#8217;t completely understand the steps involved in buying a home \u2014 a figure that rises to 64% among first-time homebuyers. At the same time, the overwhelming majority (85%) of Americans view credit score management as a wealth-building strategy, not just a borrowing tool. And, while 84% of Americans claim to understand how their credit score affects mortgage eligibility, about 1 in 5 (22%) underestimate or are unsure of its impact on mortgage rates. This confusion may be influencing the financial inaction of Americans as 17% of prospective homebuyers haven&#8217;t taken steps to improve their credit score ahead of a purchase, and more than a quarter (26%) haven&#8217;t encouraged their co-applicant to do the same.\n<\/li>\n<\/ul>\n<p>\n\u201cThe path to homeownership starts with understanding your financial readiness, yet our research shows many Americans \u2014 particularly first-time buyers \u2014 are still navigating that process without clear guidance,\u201d added Dito. \u201cConsumers don\u2019t need to wait to take action. By better understanding their FICO Score and the role it plays in mortgage access and affordability, they can start building a stronger foundation for homeownership.\u201d<\/p>\n<p>\nFor more on FICO\u2019s Homeownership Survey, click here: <a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=https%3A%2F%2Fwww.fico.com%2Fblogs%2F&amp;esheet=54566030&amp;newsitemid=20260707604520&amp;lan=en-US&amp;anchor=https%3A%2F%2Fwww.fico.com%2Fblogs&amp;index=2&amp;md5=3c6760f51f9a644a07325b6cfd754170\">https:\/\/www.fico.com\/blogs<\/a>.<\/p>\n<p>\nFICO has a longstanding commitment to empowering people and economies through financial literacy. In addition to this curriculum and live SABF Fundamentals workshops, <a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=https%3A%2F%2Fwww.fico.com%2Fen%2Fempowerment&amp;esheet=54566030&amp;newsitemid=20260707604520&amp;lan=en-US&amp;anchor=FICO+provides+resources&amp;index=3&amp;md5=0069db1981d3c1cca5e996af9a574db3\">FICO provides resources<\/a> to help people enhance their financial literacy, understand credit and make empowered decisions. This includes in-person and webinar workshops, credit education materials and tools, as well as the <a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=http%3A%2F%2Fwww.myfico.com%2F&amp;esheet=54566030&amp;newsitemid=20260707604520&amp;lan=en-US&amp;anchor=myFICO&amp;index=4&amp;md5=4e321cc56ab0245236a2a7c0704ceeab\">myFICO<\/a> website and app that enable consumers to check and monitor their FICO\u00ae Score for free.<\/p>\n<p>\nFor more information about FICO\u2019s credit empowerment programs, visit <a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=https%3A%2F%2Fwww.fico.com%2Fempowerment&amp;esheet=54566030&amp;newsitemid=20260707604520&amp;lan=en-US&amp;anchor=https%3A%2F%2Fwww.fico.com%2Fempowerment&amp;index=5&amp;md5=7beb40231902376dfa12ab61791f92ef\">https:\/\/www.fico.com\/empowerment<\/a>.<\/p>\n<p><b>Survey Method<\/b><\/p>\n<p>\nThis survey was conducted online within the United States by The Harris Poll on behalf of FICO from June 4-8, 2026 among 3,047 U.S. adults ages 18 and older, among whom 449 plan to buy a home in the next 12 months, of which 175 are first-time homebuyers. The sampling precision of Harris online polls is measured by using a Bayesian credible interval. For this study, the sample data is accurate to within +\/- 2.7 percentage points using a 95% confidence level. This credible interval will be wider among subsets of the surveyed population of interest. For complete survey methodology, including weighting variables and subgroup sample sizes, please contact <a rel=\"nofollow\" href=\"mailto:press@FICO.com\">press@FICO.com.<\/a><\/p>\n<p><b>About FICO<\/b><\/p>\n<p>\nFICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 U.S. and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 100 countries do everything from protecting 4 billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO\u00ae Score, used by 90% of top U.S. lenders, is the standard measure of consumer credit risk in the U.S. and has been made available in over 40 other countries, improving risk management, credit access and transparency.<\/p>\n<p>\nLearn more at <a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=https%3A%2F%2Fnam10.safelinks.protection.outlook.com%2F%3Furl%3Dhttps%253A%252F%252Fwww.fico.com%252F%26data%3D05%257C02%257C%257Cef52dce981334504dd9508de79737a0f%257Cf9465cb178894d9ab552fdd0addf0eb1%257C0%257C0%257C639081734052221362%257CUnknown%257CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%253D%253D%257C0%257C%257C%257C%26sdata%3DiGC0cTn%252B1CsnzBMDwz5cvarFGSvTZwIwjKwbetrmNiM%253D%26reserved%3D0&amp;esheet=54566030&amp;newsitemid=20260707604520&amp;lan=en-US&amp;anchor=https%3A%2F%2Fwww.fico.com&amp;index=6&amp;md5=25723fd389b2d3a7ea7a14046ec722e1\">https:\/\/www.fico.com<\/a><\/p>\n<p>\nJoin the conversation at <a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=https%3A%2F%2Fx.com%2FFICO_corp&amp;esheet=54566030&amp;newsitemid=20260707604520&amp;lan=en-US&amp;anchor=https%3A%2F%2Fx.com%2FFICO_corp&amp;index=7&amp;md5=191be0cc0959e6aff34fbbae333c818e\">https:\/\/x.com\/FICO_corp<\/a> &amp; <a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=https%3A%2F%2Fwww.fico.com%2Fblogs&amp;esheet=54566030&amp;newsitemid=20260707604520&amp;lan=en-US&amp;anchor=https%3A%2F%2Fwww.fico.com%2Fblogs&amp;index=8&amp;md5=e40c54f057cb0902bcd3bb2abd9ee987\">https:\/\/www.fico.com\/blogs<\/a><\/p>\n<p>\nFor FICO news and media resources, visit <a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=https%3A%2F%2Fwww.fico.com%2Fen%2Fnewsroom&amp;esheet=54566030&amp;newsitemid=20260707604520&amp;lan=en-US&amp;anchor=https%3A%2F%2Fwww.fico.com%2Fen%2Fnewsroom&amp;index=9&amp;md5=16a059ffca523450752c1f9288b5b381\">https:\/\/www.fico.com\/en\/newsroom<\/a><\/p>\n<p>\nFICO is a registered trademark of Fair Isaac Corporation in the U.S. and other countries.<\/p>\n<p><img decoding=\"async\" alt=\"\" src=\"https:\/\/cts.businesswire.com\/ct\/CT?id=bwnews&amp;sty=20260707604520r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en\" style=\"width:0;height:0\" \/><span class=\"bwct31415\" \/><\/p>\n<p id=\"mmgallerylink\"><span id=\"mmgallerylink-phrase\">View source version on businesswire.com: <\/span><span id=\"mmgallerylink-link\"><a href=\"https:\/\/www.businesswire.com\/news\/home\/20260707604520\/en\/\" rel=\"nofollow\">https:\/\/www.businesswire.com\/news\/home\/20260707604520\/en\/<\/a><\/span><\/p>\n<p><b>Media Contact<br \/>\n<\/b><br \/><a rel=\"nofollow\" href=\"mailto:press@FICO.com\">press@FICO.com<\/a><\/p>\n<p><b>KEYWORDS:<\/b> United States North America Montana<\/p>\n<p><b>INDUSTRY KEYWORDS:<\/b> Data Management Residential Building &amp; Real Estate Banking Technology Construction &amp; Property Professional Services Data Analytics Software Family Consumer Finance<\/p>\n<p><b>MEDIA:<\/b><\/p>\n<table cellpadding=\"3\" cellspacing=\"3\">\n<tr>\n<td><font face=\"Arial\" size=\"2\"><b>Logo<\/b><\/font><\/td>\n<\/tr>\n<tr>\n<td><img decoding=\"async\" src=\"https:\/\/mms.businesswire.com\/media\/20260707604520\/en\/2329913\/3\/fico-logo-coreblue-large.jpg\" alt=\"Logo\" \/><\/td>\n<\/tr>\n<tr>\n<td><font face=\"Arial\" size=\"2\"><\/font><\/td>\n<\/tr>\n<\/table>\n","protected":false},"excerpt":{"rendered":"<p>FICO Consumer Study: Most Americans Who Don\u2019t Own a Home Say Homeownership Feels Out of Reach FICO\u2019s Homeownership Survey shows that 74% of prospective buyers report being financially blocked from buying a home this year amid current interest rates and rising home prices BOZEMAN, Mont.&#8211;(BUSINESS WIRE)&#8211;FICO(NYSE:FICO), global analytics software leader, today announced the results of the FICO Homeownership Survey, a new study that uncovers the financial barriers, knowledge opportunities and behavioral shifts impacting prospective homebuyers (defined as Americans who plan to buy a home in the next 12 months). From high home prices and rising interest rates, prospective buyers \u2013 especially first-time homebuyers \u2013 are facing multiple financial and economic stressors and as a result, report struggling to unlock their &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/www.marketnewsdesk.com\/index.php\/fico-consumer-study-most-americans-who-dont-own-a-home-say-homeownership-feels-out-of-reach\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;FICO Consumer Study: Most Americans Who Don\u2019t Own a Home Say Homeownership Feels Out of Reach&#8221;<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-979103","post","type-post","status-publish","format-standard","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>FICO Consumer Study: Most Americans Who Don\u2019t Own a Home Say Homeownership Feels Out of Reach - Market Newsdesk<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.marketnewsdesk.com\/index.php\/fico-consumer-study-most-americans-who-dont-own-a-home-say-homeownership-feels-out-of-reach\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FICO Consumer Study: Most Americans Who Don\u2019t Own a Home Say Homeownership Feels Out of Reach - Market Newsdesk\" \/>\n<meta property=\"og:description\" content=\"FICO Consumer Study: Most Americans Who Don\u2019t Own a Home Say Homeownership Feels Out of Reach FICO\u2019s Homeownership Survey shows that 74% of prospective buyers report being financially blocked from buying a home this year amid current interest rates and rising home prices BOZEMAN, Mont.&#8211;(BUSINESS WIRE)&#8211;FICO(NYSE:FICO), global analytics software leader, today announced the results of the FICO Homeownership Survey, a new study that uncovers the financial barriers, knowledge opportunities and behavioral shifts impacting prospective homebuyers (defined as Americans who plan to buy a home in the next 12 months). From high home prices and rising interest rates, prospective buyers \u2013 especially first-time homebuyers \u2013 are facing multiple financial and economic stressors and as a result, report struggling to unlock their &hellip; Continue reading &quot;FICO Consumer Study: Most Americans Who Don\u2019t Own a Home Say Homeownership Feels Out of Reach&quot;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.marketnewsdesk.com\/index.php\/fico-consumer-study-most-americans-who-dont-own-a-home-say-homeownership-feels-out-of-reach\/\" \/>\n<meta property=\"og:site_name\" content=\"Market Newsdesk\" \/>\n<meta property=\"article:published_time\" content=\"2026-07-07T14:29:18+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cts.businesswire.com\/ct\/CT?id=bwnews&amp;sty=20260707604520r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en\" \/>\n<meta name=\"author\" content=\"Newsdesk\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Newsdesk\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/fico-consumer-study-most-americans-who-dont-own-a-home-say-homeownership-feels-out-of-reach\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/fico-consumer-study-most-americans-who-dont-own-a-home-say-homeownership-feels-out-of-reach\\\/\"},\"author\":{\"name\":\"Newsdesk\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/#\\\/schema\\\/person\\\/482f27a394d4fda80ecb5499e519d979\"},\"headline\":\"FICO Consumer Study: Most Americans Who Don\u2019t Own a Home Say Homeownership Feels Out of Reach\",\"datePublished\":\"2026-07-07T14:29:18+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/fico-consumer-study-most-americans-who-dont-own-a-home-say-homeownership-feels-out-of-reach\\\/\"},\"wordCount\":1078,\"image\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/fico-consumer-study-most-americans-who-dont-own-a-home-say-homeownership-feels-out-of-reach\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/cts.businesswire.com\\\/ct\\\/CT?id=bwnews&amp;sty=20260707604520r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en\",\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/fico-consumer-study-most-americans-who-dont-own-a-home-say-homeownership-feels-out-of-reach\\\/\",\"url\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/fico-consumer-study-most-americans-who-dont-own-a-home-say-homeownership-feels-out-of-reach\\\/\",\"name\":\"FICO Consumer Study: Most Americans Who Don\u2019t Own a Home Say Homeownership Feels Out of Reach - 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From high home prices and rising interest rates, prospective buyers \u2013 especially first-time homebuyers \u2013 are facing multiple financial and economic stressors and as a result, report struggling to unlock their &hellip; Continue reading \"FICO Consumer Study: Most Americans Who Don\u2019t Own a Home Say Homeownership Feels Out of Reach\"","og_url":"https:\/\/www.marketnewsdesk.com\/index.php\/fico-consumer-study-most-americans-who-dont-own-a-home-say-homeownership-feels-out-of-reach\/","og_site_name":"Market Newsdesk","article_published_time":"2026-07-07T14:29:18+00:00","og_image":[{"url":"https:\/\/cts.businesswire.com\/ct\/CT?id=bwnews&amp;sty=20260707604520r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en","type":"","width":"","height":""}],"author":"Newsdesk","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Newsdesk","Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.marketnewsdesk.com\/index.php\/fico-consumer-study-most-americans-who-dont-own-a-home-say-homeownership-feels-out-of-reach\/#article","isPartOf":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/fico-consumer-study-most-americans-who-dont-own-a-home-say-homeownership-feels-out-of-reach\/"},"author":{"name":"Newsdesk","@id":"https:\/\/www.marketnewsdesk.com\/#\/schema\/person\/482f27a394d4fda80ecb5499e519d979"},"headline":"FICO Consumer Study: Most Americans Who Don\u2019t Own a Home Say Homeownership Feels Out of Reach","datePublished":"2026-07-07T14:29:18+00:00","mainEntityOfPage":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/fico-consumer-study-most-americans-who-dont-own-a-home-say-homeownership-feels-out-of-reach\/"},"wordCount":1078,"image":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/fico-consumer-study-most-americans-who-dont-own-a-home-say-homeownership-feels-out-of-reach\/#primaryimage"},"thumbnailUrl":"https:\/\/cts.businesswire.com\/ct\/CT?id=bwnews&amp;sty=20260707604520r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en","inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.marketnewsdesk.com\/index.php\/fico-consumer-study-most-americans-who-dont-own-a-home-say-homeownership-feels-out-of-reach\/","url":"https:\/\/www.marketnewsdesk.com\/index.php\/fico-consumer-study-most-americans-who-dont-own-a-home-say-homeownership-feels-out-of-reach\/","name":"FICO Consumer Study: Most Americans Who Don\u2019t Own a Home Say Homeownership Feels Out of Reach - 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