Home equity changes for all 50 states in the last 5 years

Hosts in Western Virginia have gained more house equality than other parts of the country in the last five years.

Home Equality – The difference between the value of your home and you are still owed – has increased by 450% in the mountain state since 2020 According to a new bankrate analysis.

Although the home extraction is not spent cash unless you sell or borrow it against it, a surplus still contributes to the net value of the landlords. This extra value can make it easier to qualify for a home equity loan or credit limit, earn money for renovation, and put more money on retirement if you sell it.

Considering that most of the houses constitute the biggest share of the house for the American, an important financial support. According to New York Federal Reserve Data.

Bankrate compared Zillow’s typical home values with the average mortgage balances of Experian to measure the change in the beginning of 2020 and in the beginning of 2025. According to Zillow’s “typical” terms, the value of what is in the middle of the market is in the middle of the market rather than a simple average or median sales price.

Here are the five states, where the average house equality has grown the most since 2020:

• West Virginia: 450 %
• Oklahoma: 431 %
• Connecticut: 297 %
• Kansas: 234 %
• Illinois: 217 %

Western Virginia has long had some of the most affordable houses in the country, but the US housing prices have been rising since the COVİD-19 PANDEM, the average sales price of the state rose from $ 122.196 to $ 175.176 in March 2020. According to Zillow.

Many of these hosts have been locked to 30 -year low constant mortgage rates before doubled in recent years, and further increased self -gains. However, the housing equity amount is only $ 35,931, one of the lowest amounts of any state.

The same tendency emerges for the rest of the first five states for self -growth, including low -cost markets such as Oklahoma and Kansas. Increased prices with low mortgage rates have provided great gains for many hosts in these states.

In contrast, the only condition with negative equality is Louisiana,-22%. Bankrate says that home prices are reduced, climatic risks and increasing insurance costs.

More generally, the landlords in the Southern and Middle West have seen the maximum growth of home equality in the last five years, while the hosts in the West have seen an average. The average housing stock amount in 2025 across the country is $ 112,430 with a 142% increase from 2020.

The average housing growth of each US state since 2020 has been listed alphabetically, which is shown as both the increase in percentage and the current dollar amount.

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