DealMachine data

Home equity statistics 2026: 50 large US cities

Name: Home equity statistics 2026: 50 large US cities
Creator: DealMachine

Across 50 large US cities, DealMachine data counts 11,487,574 properties whose owners hold 60% or more equity and 1,764,459 whose owners hold 20% or less, as of August 18, 2026.

Counts as of August 18, 2026 · 50 large US cities · How we counted

Key findings

Across the 50 cities, DealMachine data counts 6.5 high-equity properties (60% equity or more) for every low-equity one (20% or less): 11,487,574 against 1,764,459.
DealMachine data counts 6,395,184 properties owned free and clear, with no mortgage or other lien, across the 50 cities; Houston has the most, 493,781.
Houston has the most high-equity properties of the 50 cities: 778,181, or 6.8% of the 50-city total. Chicago is next with 535,898.
Los Angeles has the most properties with an adjustable-rate mortgage: 121,587, or 9.1% of the 1,335,971 across the 50 cities.
Of the high-equity properties in 49 of the cities, 54.7% are owned free and clear (6,099,043 of 11,148,017); the rest still carry a mortgage or lien.

All 50 cities

Each city links to its DealMachine search page with the matching properties.

Home equity by city, DealMachine data as of August 18, 2026. Ranked by high-equity properties.

Swipe sideways for all 6 columns.

Home equity by city, DealMachine data as of August 18, 2026. Ranked by high-equity properties.
City	High equity (60%+)	Low equity (20% or less)	High-equity per low-equity	Free and clear	Adjustable-rate mortgages
Houston, TX	778,181	81,408	9.6	493,781	46,047
Chicago, IL	535,898	119,324	4.5	315,972	91,033
Los Angeles, CA	523,506	59,608	8.8	189,101	121,587
San Antonio, TX	400,957	91,745	4.4	202,082	19,945
Philadelphia, PA	394,421	74,465	5.3	284,892	33,879
Las Vegas, NV	350,778	64,999	5.4	144,240	56,343
Miami, FL	348,836	26,357	13.2	161,212	40,802
New York, NY	339,557	17,702	Not shown	296,141	Not shown
Detroit, MI	300,190	28,613	10.5	139,781	18,600
San Diego, CA	286,050	17,196	16.6	113,233	40,325
Phoenix, AZ	281,602	61,023	4.6	138,530	36,543
Dallas, TX	280,194	27,184	10.3	158,969	21,991
El Paso, TX	267,968	21,317	12.6	190,110	6,278
Jacksonville, FL	243,306	56,980	4.3	141,837	30,111
St. Louis, MO	232,982	52,654	4.4	135,277	32,459
Indianapolis, IN	232,724	39,724	5.9	127,645	19,079
Austin, TX	229,802	32,765	7.0	136,902	19,099
Pittsburgh, PA	223,351	25,423	8.8	166,993	24,040
Cleveland, OH	222,849	33,012	6.8	122,794	22,727
Orlando, FL	221,249	33,243	6.7	115,011	24,651
Minneapolis, MN	218,321	39,095	5.6	124,500	25,471
Cincinnati, OH	218,028	31,232	7.0	114,947	22,234
Charlotte, NC	209,165	41,137	5.1	102,694	34,134
Tucson, AZ	206,000	38,215	5.4	100,053	21,929
Atlanta, GA	203,075	34,027	6.0	107,100	15,246
Louisville, KY	202,456	35,730	5.7	123,142	27,945
Portland, OR	198,883	34,609	5.7	117,333	26,965
Memphis, TN	196,592	29,236	6.7	97,804	17,412
Columbus, OH	189,284	37,010	5.1	91,499	24,300
Albuquerque, NM	173,203	16,830	10.3	88,765	18,943
Nashville, TN	172,368	30,535	5.6	98,530	29,296
Tampa, FL	171,936	28,630	6.0	87,840	22,004
Denver, CO	168,151	34,789	4.8	85,024	26,303
Sacramento, CA	159,127	22,565	7.1	65,902	24,175
Baltimore, MD	156,528	56,589	2.8	104,412	15,631
Fort Worth, TX	154,314	7,324	21.1	129,836	9,412
Oklahoma City, OK	153,675	26,934	5.7	100,591	14,347
Seattle, WA	152,340	18,122	8.4	70,490	35,194
Kansas City, MO	149,612	23,764	6.3	96,731	13,451
Milwaukee, WI	143,932	22,877	6.3	70,043	25,666
San Francisco, CA	143,153	13,822	10.4	67,358	38,244
Omaha, NE	126,878	20,847	6.1	72,643	9,729
Boston, MA	126,725	10,376	12.2	50,329	13,772
New Orleans, LA	125,383	17,619	7.1	97,985	4,667
Colorado Springs, CO	124,980	37,743	3.3	70,560	29,764
Raleigh, NC	120,771	19,140	6.3	63,265	23,135
Mesa, AZ	115,790	24,270	4.8	62,331	11,997
Tulsa, OK	114,553	16,173	7.1	70,626	9,540
Fresno, CA	108,530	16,101	6.7	44,254	13,228
Virginia Beach, VA	89,420	14,376	6.2	44,094	25,297

How we counted

High equity: the owner holds an estimated 60% or more of the property's value. Low equity: 20% or less. Equity is the estimated value less the estimated balance of the loans recorded against it.
Free and clear: no mortgage or other lien is recorded. Adjustable-rate mortgage: the recorded mortgage has an adjustable rate.
New York is left out of the ratios and the adjustable-rate count. Its property records leave out too much of what these numbers need to compare fairly with the other cities.
The counts come from DealMachine's property search on August 18, 2026, the same counts DealMachine's city search pages show for each kind of property.
Each city is the city itself, as its boundary appears in DealMachine data, not its metro area.
DealMachine data is built from county property records, deed and mortgage records and other public records, matched to each property and updated as the records change.
Counts are exact. Shares and ratios are rounded to one decimal place.

Cite this data

DealMachine, “Home equity statistics 2026: 50 large US cities,” DealMachine data as of August 18, 2026, https://www.dealmachine.com/data/statistics/home-equity

Questions

How many homes have high equity?

DealMachine data counts 11,487,574 properties with 60% or more equity across 50 large US cities as of August 18, 2026, 6.5 for every property with 20% or less.

How many homes are owned free and clear?

DealMachine data counts 6,395,184 properties with no mortgage or other lien across 50 large US cities, with Houston highest at 493,781.

Which city has the most homes with adjustable-rate mortgages?

Los Angeles, with 121,587, 9.1% of the 1,335,971 across the 50 cities in DealMachine data.

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