Exploring the Buyer-to-Resident Income Gap
The typical American homebuyer now earns 42 percent more than the median resident in the neighborhood they buy in, according to the 2025 Home Mortgage Disclosure Act (HMDA) release. The ratio has moved from 1.39 in 2018 to 1.42 in 2025 and is now plateauing near the top of the range after peaking in 2024.





