Across the nation, homeownership continues to be the cornerstone of building personal wealth. According to the Federal Reserve, household net worth increased by $968 billion solely due to rising home values. Another report from CoreLogic reveals that the average annual gain in homeowner equity was $33,400 per owner—a financial advantage that renters miss out on entirely. 

The difference in net worth between homeowners and renters is significant at every income level. The chart below, based on data from First American, illustrates just how much homeownership impacts financial stability. Even at lower income levels, homeowners have six figures more in net worth than renters—and that gap continues to grow as income rises. 

Why Owning Beats Renting

• Fixed mortgage payments – Unlike rent, which typically increases, a mortgage offers predictable monthly payments. 

• Equity & wealth-building – Every mortgage payment you make builds equity in your home—your own investment, not your landlord’s. 
• Tax advantages & appreciation – Homeowners often qualify for tax benefits, and home values typically increase over time, helping build long-term wealth. 

Employee Success Story: How One Employee Made Homeownership Possible 

"I was tired of watching rent prices go up and feeling like homeownership was out of reach. My Employee Homeownership Program changed everything. They connected me with a trusted real estate agent and mortgage lender who walked me through every step. I qualified for down payment assistance and lender credits, which made buying a home more affordable than I ever expected. Now, instead of paying my landlord’s mortgage, I’m investing in my own future!" 
— Mark S., Employee Homeownership Program Member 

How Your Employee Homeownership Program Can Help

✔ Financial Fitness Consultation – Learn what you qualify for, improve your credit score, and create a customized plan to make homeownership possible. 

✔ Lower your upfront costs – Get access to down payment assistance, lender credits, and reduced real estate commissions to save money. 
✔ Expert guidance every step of the way – Work with trusted, program-approved real estate agents and lenders who help you navigate the homebuying process.