{"id":40179,"date":"2026-01-28T06:00:00","date_gmt":"2026-01-28T11:00:00","guid":{"rendered":"https:\/\/www.zoocasa.com\/blog\/?p=40179"},"modified":"2026-02-10T09:58:03","modified_gmt":"2026-02-10T14:58:03","slug":"married-vs-single-homeownership","status":"publish","type":"post","link":"https:\/\/www.zoocasa.com\/blog\/married-vs-single-homeownership\/","title":{"rendered":"The Savings Gap: How Being Single or Married Affects Your Timeline to Homeownership"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">A growing share of Americans are choosing to <a href=\"https:\/\/www.pewresearch.org\/short-reads\/2025\/06\/18\/us-adults-in-their-20s-and-30s-plan-to-have-fewer-children-than-in-the-past\/\" target=\"_blank\" rel=\"noreferrer noopener\">remain child-free<\/a>, but whether you have a partner or not largely determines the financial benefits of that choice. Zoocasa calculated down payment savings timelines for two groups\u2014DINKs (double-income, no kids) and SINKs (single-income, no kids)\u2014to determine exactly how much a partner can speed up your home-buying dreams. Unfortunately for solo buyers, the financial difference is massive.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To see exactly how long the road to homeownership really is, we analyzed savings data from the <a href=\"https:\/\/www.federalreserve.gov\/econres\/scf\/dataviz\/scf\/chart\/#series:Transaction_Accounts;demographic:famstruct;population:all;units:median;range:1989,2022\" target=\"_blank\" rel=\"noreferrer noopener\">Federal Reserve<\/a> and income data from the U.S. Census Bureau. We assumed median starting savings of $16,000 for couples and $4,000 for singles (without children). Using the 4% annual savings rate reported by the Bureau of Economic Analysis for Q3 2025, we calculated how many years it would take each group to save up a 10% down payment\u2014the 2025 national median for first-time buyers according to the <a href=\"https:\/\/www.nar.realtor\/magazine\/real-estate-news\/nar-2025-profile-of-home-buyers-sellers-reveals-market-extremes\" target=\"_blank\" rel=\"noreferrer noopener\">National Association of Realtors<\/a>.&nbsp;<\/p>\n\n\n<p><iframe title=\"Down Payment Savings Timelines: Married Couples vs. Singles\" aria-label=\"Stacked Bars\" id=\"datawrapper-chart-BjIG9\" src=\"https:\/\/datawrapper.dwcdn.net\/BjIG9\/3\/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"780\" data-external=\"1\"><\/iframe><script type=\"text\/javascript\">window.addEventListener(\"message\",function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r,i=0;r=e[i];i++)if(r.contentWindow===a.source){var d=a.data[\"datawrapper-height\"][t]+\"px\";r.style.height=d}}});<\/script><\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Why Single Buyers Need to Wait Nearly 3X Longer for a Home<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">The more money you have, the faster you\u2019ll be able to save for a down payment. So when double-income households earn nearly twice that of single households, their down payment savings timeline is more than cut in half.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In one of the most dramatic examples of this, <a href=\"https:\/\/www.zoocasa.com\/san-francisco-ca-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">San Franciscan<\/a> couples can save for a down payment 23 years quicker than a solo buyer can. With a median household income of $196,786, married couples require 14.7 years to save for a 10% down payment of $131,500. While this is still an extraordinarily long time compared to other major cities, it\u2019s at least achievable before reaching retirement age. Unless solo buyers commit to an aggressive savings plan, those earning the median income of $84,423 will require up to 37.8 years to save for a 10% down payment.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Read: <\/strong><a href=\"https:\/\/www.zoocasa.com\/blog\/hotel-vs-rent-costs\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>How the Nightly Hotel Cost Compares to Rent in 70+ American Cities<\/strong><\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Fortunately, solo buyers in most cities won\u2019t need to save 30+ years. The fastest a single-income buyer could buy a home is in <a href=\"https:\/\/www.zoocasa.com\/st-louis-mo-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">St. Louis<\/a>, where it will take 13.4 years to save for a 10% down payment. <a href=\"https:\/\/www.zoocasa.com\/dallas-tx-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">Dallas<\/a>, <a href=\"https:\/\/www.zoocasa.com\/houston-tx-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">Houston<\/a>, <a href=\"https:\/\/www.zoocasa.com\/detroit-mi-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">Detroit<\/a>, <a href=\"https:\/\/www.zoocasa.com\/atlanta-ga-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">Atlanta<\/a>, and <a href=\"https:\/\/www.zoocasa.com\/san-antonio-tx-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">San Antonio<\/a> also all offer comparatively fast down payment savings timelines, with each requiring fewer than 15 years.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">While 15 years is still a long time to wait for homeownership, it may be the new normal, particularly as the median age of first-time buyers reached a record-high of <a href=\"https:\/\/www.nar.realtor\/newsroom\/first-time-home-buyer-share-falls-to-historic-low-of-21-median-age-rises-to-40\" target=\"_blank\" rel=\"noreferrer noopener\">40 years old<\/a> in 2025.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">One potential reason for the delay in homeownership may be a decrease in the number of couples purchasing homes together. According to <a href=\"https:\/\/www.nar.realtor\/research-and-statistics\/research-reports\/highlights-from-the-profile-of-home-buyers-and-sellers\" target=\"_blank\" rel=\"noreferrer noopener\">NAR<\/a> research, in 1981, 73% of all home buyers were married couples, but in 2025 that figure dropped to 61%. At the same time, single female buyers rose from 11% to 21%, while the percentage of single males and unmarried couples buying homes has largely remained unchanged.&nbsp;<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Could Fewer Marriages Mean Fewer Homeowners?<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Most people don\u2019t think about the connection between homeownership and marital status when saying \u201cI do\u201d, but there is an undeniable benefit to having two incomes at your disposal. And as fewer Americans marry, the barrier to first-time homeownership may get steeper.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.pewresearch.org\/short-reads\/2023\/06\/28\/a-record-high-share-of-40-year-olds-in-the-us-have-never-been-married\/\" target=\"_blank\" rel=\"noreferrer noopener\">PEW research<\/a> from 2021 shows that a record 25% of 40-year-olds have never been married. Recently released <a href=\"https:\/\/www.census.gov\/newsroom\/press-releases\/2025\/families-and-living-arrangements.html\" target=\"_blank\" rel=\"noreferrer noopener\">U.S. Census data<\/a> further highlights this trend, with the share of married-couple households dropping from 66% in 1975 to just 47% in 2025.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">How could this impact homeownership? In all 25 cities analyzed by Zoocasa, the median household income for married couples is more than double that of individuals, giving couples a clear financial edge over singles. With more income comes more savings. Federal Reserve data shows that a couple with no children has a median savings of $16,000, while a single person with no children has a median savings of only $4,000.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That said, the number of single female home buyers is rising, and so are their incomes. The <a href=\"https:\/\/www.pewresearch.org\/short-reads\/2024\/11\/04\/among-unmarried-adults-women-without-children-have-as-much-wealth-as-single-men\/\" target=\"_blank\" rel=\"noreferrer noopener\">median wealth of single women<\/a> without children is $87,200, similar to that of a single, unmarried man. The caveat, however, is the role age plays in wealth accumulation. While the median age for unmarried women heading households is 61, the picture changes when looking at those under 65. For this younger cohort, the median wealth of an unmarried woman drops to just $38,900\u2014still trailing far behind unmarried men of the same age, who hold $59,400.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The gender pay gap is <a href=\"https:\/\/www.pewresearch.org\/short-reads\/2025\/03\/04\/gender-pay-gap-in-us-has-narrowed-slightly-over-2-decades\/\" target=\"_blank\" rel=\"noreferrer noopener\">narrowing<\/a>, but ultimately, single women will have to work and save harder if they hope to enter the housing market soon, particularly if they\u2019re looking to buy in one of the largest metropolitan areas.<\/p>\n\n\n<p><iframe title=\"Solo vs. Shared: Comparing the Path to a 10% Down Payment\" aria-label=\"Table\" id=\"datawrapper-chart-y3ntd\" src=\"https:\/\/datawrapper.dwcdn.net\/y3ntd\/3\/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"973\" data-external=\"1\"><\/iframe><script type=\"text\/javascript\">window.addEventListener(\"message\",function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r,i=0;r=e[i];i++)if(r.contentWindow===a.source){var d=a.data[\"datawrapper-height\"][t]+\"px\";r.style.height=d}}});<\/script><\/p>\n\n\n\n<h1 class=\"wp-block-heading\">DINK\u2019s Can Maximize Their Savings in These Cities<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">The fastest a typical DINK couple could buy a home is in St. Louis in just 2.8 years, followed by Detroit in 2.9 years. This is largely thanks to their low median home prices, both sitting at just over $300,000, meaning a 10% down payment is only $30,000. Compared to the over $50,000 that cities like <a href=\"https:\/\/www.zoocasa.com\/miami-fl-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">Miami<\/a> and <a href=\"https:\/\/www.zoocasa.com\/denver-co-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">Denver<\/a> require, St. Louis and Detroit are much more affordable. San Antonio is another promising city for couples. The median household income for couples of $115,007 means they can afford a home in just 3.5 years.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Read: <\/strong><a href=\"https:\/\/www.zoocasa.com\/blog\/where-housing-affordability-is-improving-2026\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>The 2026 Outlook: Where Affordability is Improving Across the U.S.&nbsp;<\/strong><\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">What about couples looking to plant roots in the Northeast? <a href=\"https:\/\/www.zoocasa.com\/philadelphia-pa-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">Philadelphia<\/a> is the answer. In Philly, a couple earning the median income of $143,928 could save for a $41,030 down payment in just over four years. <a href=\"https:\/\/www.zoocasa.com\/baltimore-md-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">Baltimore<\/a> offers a similarly accessible path: with a timeline of only 4.5 years, a couple could begin saving at 30 and be turning the key to their first home by 35.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Married or Single, Saving for a Down Payment is Hard<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A <a href=\"https:\/\/www.zoocasa.com\/blog\/us-homebuyers-going-over-budget\/\" target=\"_blank\" rel=\"noreferrer noopener\">Zoocasa survey<\/a> recently found that 22.2% of renters are unable to buy a home due to financial constraints. This reality underscores a universal truth: regardless of relationship status, saving for a home requires careful planning. Because down payment requirements remain the same whether you are married or single, the $40,000 typically required won\u2019t accumulate on its own; it demands a disciplined, intentional savings strategy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you&#8217;re serious about hitting your financial goals, especially saving up for a down payment, a smart move is to consider leaving expensive places like New York and Los Angeles for a city that won&#8217;t break the bank. Beyond the major cities in our study, many are finding that a move to <a href=\"https:\/\/www.zoocasa.com\/blog\/small-town-advantages\/\" target=\"_blank\" rel=\"noreferrer noopener\">a smaller town<\/a> is the most effective way to slash living expenses and fast-track their savings.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ready to explore your housing options? Zoocasa has thousands of up-to-date listings near you. <a href=\"https:\/\/www.zoocasa.com\/search\" target=\"_blank\" rel=\"noreferrer noopener\">Start your search today<\/a>!&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A growing share of Americans are choosing to remain child-free, but whether you have a partner or not largely determines the financial benefits of that choice. Zoocasa calculated down payment savings timelines for two groups\u2014DINKs (double-income, no kids) and SINKs (single-income, no kids)\u2014to determine exactly how much a partner can speed up your home-buying dreams. [&hellip;]<\/p>\n","protected":false},"author":132,"featured_media":40180,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"format":"standard"},"jnews_primary_category":[],"footnotes":""},"categories":[1194,1190],"tags":[],"class_list":["post-40179","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-featured","category-united-states"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How Being Single or Married Affects Your Homeownership Timeline<\/title>\n<meta name=\"description\" content=\"How long does it take to save for a house? Data shows double-income couples reach their down payment goals 2x faster than solo buyers.\" \/>\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.zoocasa.com\/blog\/married-vs-single-homeownership\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Being Single or Married Affects Your Homeownership Timeline\" \/>\n<meta property=\"og:description\" content=\"How long does it take to save for a house? Data shows double-income couples reach their down payment goals 2x faster than solo buyers.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.zoocasa.com\/blog\/married-vs-single-homeownership\/\" \/>\n<meta property=\"og:site_name\" content=\"Zoocasa Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Zoocasa\" \/>\n<meta property=\"article:published_time\" content=\"2026-01-28T11:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-10T14:58:03+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.zoocasa.com\/blog\/wp-content\/uploads\/2026\/01\/Blog-1200-x-630-px-85.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Mackenzie Scibetta\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/www.zoocasa.com\/blog\/wp-content\/uploads\/2026\/01\/Blog-1200-x-630-px-85.png\" \/>\n<meta name=\"twitter:creator\" content=\"@Zoocasa\" \/>\n<meta name=\"twitter:site\" content=\"@Zoocasa\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Mackenzie Scibetta\" \/>\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.zoocasa.com\/blog\/married-vs-single-homeownership\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.zoocasa.com\/blog\/married-vs-single-homeownership\/\"},\"author\":{\"name\":\"Mackenzie Scibetta\",\"@id\":\"https:\/\/www.zoocasa.com\/blog\/#\/schema\/person\/585f70fc7529a7d06b63da7438e6b15f\"},\"headline\":\"The Savings Gap: How Being Single or Married Affects Your Timeline to Homeownership\",\"datePublished\":\"2026-01-28T11:00:00+00:00\",\"dateModified\":\"2026-02-10T14:58:03+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.zoocasa.com\/blog\/married-vs-single-homeownership\/\"},\"wordCount\":1091,\"publisher\":{\"@id\":\"https:\/\/www.zoocasa.com\/blog\/#organization\"},\"articleSection\":[\"Home Featured\",\"United States\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.zoocasa.com\/blog\/married-vs-single-homeownership\/\",\"url\":\"https:\/\/www.zoocasa.com\/blog\/married-vs-single-homeownership\/\",\"name\":\"How Being Single or Married Affects Your Homeownership Timeline\",\"isPartOf\":{\"@id\":\"https:\/\/www.zoocasa.com\/blog\/#website\"},\"datePublished\":\"2026-01-28T11:00:00+00:00\",\"dateModified\":\"2026-02-10T14:58:03+00:00\",\"description\":\"How long does it take to save for a house? 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