What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?

Non-investing personal finance issues including insurance, credit, real estate, taxes, employment and legal issues such as trusts and wills
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LFKB
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What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?

Post by LFKB »

Curious to see what the breakdown is...

1. What % of your net worth is in home equity (including vacation or rental properties to the extent you have them)?
Example: if you have $100k equity in your home and $1M net worth then 10%

2. How much is the total value of your owned real estate as a % of your net worth?
Example: if you own a $500k house and have a $1M net worth then 50%
Topic Author
LFKB
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Re: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?

Post by LFKB »

1. Home equity is about 22% of my net worth

2. Total owned real estate value is about 59% of my net worth
TrollToll
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Re: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?

Post by TrollToll »

Renter here.

1) 0%

2) 0%
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HomerJ
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Re: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?

Post by HomerJ »

Currently 34/42/24 stocks/bonds/home... (stocks/bonds are 45/55 of investment portfolio)

No investment real estate, just one-paid off house.
A Goldman Sachs associate provided a variety of detailed explanations, but then offered a caveat, “If I’m being dead-### honest, though, nobody knows what’s really going on.”
7eight9
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Re: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?

Post by 7eight9 »

What % of your Net Worth is Home Equity?
~15%

What % is total value of RE relative to net worth?
~15%
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bwalling
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Re: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?

Post by bwalling »

Around 20%, but my house is also fully paid off.
ret_geo_bor
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Re: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?

Post by ret_geo_bor »

1) 11%
2) 11%
if Zillow is to be believed.
davemanjam
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Re: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?

Post by davemanjam »

1) 13.3%
2) 19.6%
BogleFan510
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Re: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?

Post by BogleFan510 »

1. 17% (no debt)

2. 23% (no debt, if REITs held in indexes are included, roughly 30%)
Last edited by BogleFan510 on Mon Nov 16, 2020 1:18 pm, edited 2 times in total.
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Harry Livermore
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Re: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?

Post by Harry Livermore »

Residence value 20.71%, equity 12.74%
Two rental properties combined value 19.29%, equity 17.61%
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LuckyGuy
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Re: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?

Post by LuckyGuy »

5% both. My house is paid for.
Ron Ronnerson
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Re: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?

Post by Ron Ronnerson »

1) 44%
2) 73%
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Ramjet
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Re: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?

Post by Ramjet »

LFKB wrote: Mon Nov 16, 2020 12:50 pm Curious to see what the breakdown is...

1. What % of your net worth is in home equity (including vacation or rental properties to the extent you have them)?
Example: if you have $100k equity in your home and $1M net worth then 10%
About 16%
LFKB wrote: Mon Nov 16, 2020 12:50 pm 2. How much is the total value of your owned real estate as a % of your net worth?
Example: if you own a $500k house and have a $1M net worth then 50%
About 32%
runner3081
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Re: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?

Post by runner3081 »

20% is answer for both, home is paid off, no investment properties.
texasdiver
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Re: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?

Post by texasdiver »

1. Home equity is 16% of net worth
2. Total real estate holdings are 33% of net worth
prioritarian
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Re: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?

Post by prioritarian »

0%

I'm very glad I rent instead of burning money to loan a home. :D
houseofnine
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Re: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?

Post by houseofnine »

What % of your Net Worth is Home Equity?
~30%

What % is total value of RE relative to net worth?
~40%

Paid off rental property (former primary) and 50% paid current primary.
Xrayman69
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Re: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?

Post by Xrayman69 »

Primary home and a second home used mainly for business housing purposes but useful for non pandemic a
Era vacation as it’s on a lake community.

Difficult to answer as the primary home is where we live and can’t be easily liquidated nor ever a personal desire to liquidate as this is our family’s forever and forever home. The taxation on the gains would be unbearable and the physical location could not be reproduced in the seattle region. The price that would need to be offered to entice us to leave would need to be >3X Zillow’s market assessment. We have turned down 2X offers as we would still have to buy a home and live somewhere. Home equity is not really taken into account for our retirement or wealth calculation.

Based upon Zillow’s generic value

33% and 40%
LittleMaggieMae
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Re: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?

Post by LittleMaggieMae »

1. % of Net Worth that is equity 15%
2. % of RE value to Net Worth is about 30%

(I feel like i have a lot of mortgages/mortgage debt (3 properties) but maybe it's not as bad as I 'felt' it was. I've never looked at it this way before.)
CycloRista
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Re: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?

Post by CycloRista »

Home equity is 11% of net worth.

Total real estate holdings are 25% of net worth.
infotrader
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Re: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?

Post by infotrader »

It is paid off.
Mentally, I don't consider it as part of my NW.
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celia
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Re: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?

Post by celia »

This very recent thread is almost the same:
viewtopic.php?f=2&t=329331
Wanderingwheelz
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Re: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?

Post by Wanderingwheelz »

I don’t count real estate towards my net worth, but:

15% primary residence, paid for.

I’m co-trustee on a family beach home that’s worth nearly $2MM, too. So maybe that would boost it to somewhere @ 25% total.
Reamus294
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Re: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?

Post by Reamus294 »

About 55% for both currently.

Value of house doubled in 10 years and we've aggressively been paying it off. Still 10-20 years from retirement and it will likely be closer to 15-25% then.
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22twain
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Re: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?

Post by 22twain »

celia wrote: Mon Nov 16, 2020 4:37 pm This very recent thread is almost the same:
viewtopic.php?f=2&t=329331
You beat me to it. 8-)

My data point is in that thread so I won't repeat it here.
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Broken Man 1999
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Re: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?

Post by Broken Man 1999 »

1. What % of your net worth is in home equity - 11%

2. How much is the total value of your owned real estate as a % of your net worth -11%

Home is 100% equity, no mortgage.

Broken Man 1999
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gch
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Re: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?

Post by gch »

1. ~30% of my net worth is in RE
2. Total real estate value is ~300% of my net worth

Number 2 looks odd because I have rental real estate that is levered.
Big Dog
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Re: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?

Post by Big Dog »

~25% for both. (home loan will be paid off shortly)
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GKSD
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Re: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?

Post by GKSD »

~14% for Home Equity
~20% for Home Value
JS-Elcano
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Re: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?

Post by JS-Elcano »

~27% for home equity
~35% for home value
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Peter Foley
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Re: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?

Post by Peter Foley »

About 20% in answer to both questions. We own both our primary residence and our lake cabin outright.
bltn
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Re: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?

Post by bltn »

Home equity about 25% of net worth.
Crawdad
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Re: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?

Post by Crawdad »

6%
6%
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bi0hazard
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Re: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?

Post by bi0hazard »

Paid off house about 18% NW
gusan
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Re: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?

Post by gusan »

Primary - 10%
Rentals + Primary - 25%
andypanda
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Re: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?

Post by andypanda »

7.1%

7.1%

If I included the paid off car, truck, boat, trailer, tools, coins, guns, ammo, multiple rod and reel combos worth $1000 each, etc. it would be lower. Should I count my wife's jewelry? :)

Where did all this crap come from? ;) When I was a kid growing up in the '50s in a row house in Baltimore all I had was one worn baseball glove and a used bike.
chuckb84
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Re: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?

Post by chuckb84 »

About 26%.
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luminous
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Re: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?

Post by luminous »

TrollToll wrote: Mon Nov 16, 2020 12:52 pm Renter here.

1) 0%

2) 0%
Same!
50/20/30 US stock/international stock/bonds. Hope to semi-retire in 2022.
DoubleComma
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Re: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?

Post by DoubleComma »

primary 30% (debt free)
Primary + Vacation 39%
BogleBoogie
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Re: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?

Post by BogleBoogie »

1. 23%

2. 23%
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JDCarpenter
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Re: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?

Post by JDCarpenter »

Hmm. I don't know what our home and attached 25 acres are really worth. Let's say between 8%(cost basis) and 18% (developer knocks me over!) on a value basis, and between 7% and 16% on equity basis? (Retired several years ago, flyover country, rural/suburban location 20 miles from state capital building in burgeoning metro area...)
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HuckFinn
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Re: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?

Post by HuckFinn »

I'll go a little further as I've been tempted to post a similar question out of curiosity.

I'm a 3 Fund guy, our home is paid off.

VTI [Total US Stock Index etf] - 46% of net worth
BND [Total Bond Index etf] - 32% of net worth
HOME - 14% of net worth
VXUS [Total International Stock etf] - 7% of net worth.

“Simplicity is the Master Key to Financial Success.” - Jack Bogle
Bridgebumbob
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Re: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?

Post by Bridgebumbob »

30% in home equity. Paid off home in good location has been appreciating 5%/annum for 10 years. Will leave to kids along with equities.Living on SS, pension and 40% in cash/treasuries
Marseille07
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Re: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?

Post by Marseille07 »

I'd say 30% right now (fully paid off), but going to sell and become a renter before buying another one later, which will be much cheaper at 15% or so give or take. To answer the original question as of now:
1. 30%
2. 30%
Last edited by Marseille07 on Tue Nov 17, 2020 12:51 am, edited 2 times in total.
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ohboy!
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Re: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?

Post by ohboy! »

60%. In my early 40s. House is paid off. Did I win? :wink:
cupfire
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Re: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?

Post by cupfire »

1. 48%
2. 60%
jsapiandante
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Re: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?

Post by jsapiandante »

1. 25-30% between Zillow and Redfin.

2. 70-75%.
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Steelersfan
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Re: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?

Post by Steelersfan »

Home paid off.

6%

6%
indyfish
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Re: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?

Post by indyfish »

Home paid off.

1. 18%
2. 18%
MDfan
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Re: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?

Post by MDfan »

About 10%. Still owe about 14 years on mortgage (age 59).
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