The Surprising States Where Homeowners Owe More Than Their Homes

2025-06-21

Are Millions of Americans Underwater on Their Homes? Homeownership is supposed to be the dream—but what if your biggest asset becomes a liability? A new report from ATTOM Data shows that while most U.S. homeowners are equity-rich, a noticeable segment—particularly in the South and Midwest—is seriously underwater (owing at least 25% more than the home’s current value). In this episode, we dive into: 📉 Which states are hit hardest—and why 🏠 How this impacts people selling, refinancing, or just hoping to breathe

Are Millions of Americans Underwater on Their Homes?

Homeownership is supposed to be the dream—but what if your biggest asset becomes a liability? A new report from ATTOM Data shows that while most U.S. homeowners are equity-rich, a noticeable segment—particularly in the South and Midwest—is seriously underwater (owing at least 25% more than the home’s current value).

In this episode, we dive into:

📉 Which states are hit hardest—and why
🏠 How this impacts people selling, refinancing, or just hoping to breathe
💸 What it says about regional markets and future trends
🔍 How equity-rich homeowners help balance out this story

Whether you’re a homeowner, investor, or luxury market pro in Miami (like us 🏝️), this is part data-driven deep dive and part real-life ripple effect on American equity.

If you ever want to buy or sell a property anywhere in the world, our team would be honored to help get you to your next destination.

Until next time, stay curious, stay educated—and as always…stay ALL IN!

Amit Bhuta

COMPASS

ALL IN Miami Group

Licensed Real Estate Agent

📱 (305) 439‑3031

📧 amit.bhuta@compass.com

🌐 ALLinMiami.com

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