young couple moving into their first home

The white picket fence is a symbol of the American dream. It represents a time when people settled down in their own homes and had a family. Unfortunately, many people today find homeownership elusive. They put off the idea of owning a home until their later years.

There are many reasons why buying a home in your 20s can be a great idea. You also have the opportunity to build equity in your home from the beginning, which can give you a solid financial foundation as you move forward in life. Additionally, buying a home can provide you with a sense of stability and independence.

Here are some reasons why you should buy your dream home as early as your 20s.


1) You Can Build Equity Sooner

Another reason to buy a home in your 20s is that you can build equity sooner. Equity is the portion of your home’s value that you own outright. It increases as you pay down your mortgage and as your home’s value increases.

If you wait to buy a home, you’ll miss out on years of equity growth. However, if you buy a home in your 20s, you’ll start building equity right away. This can give you a solid financial foundation as you move forward in life.


2) You’ll Have Greater Opportunity to Buy More Properties for Investment Purposes

Buying a home in your 20s can also give you the opportunity to buy additional properties for investment purposes. For example, you might buy a condo in your 20s, and then rent it out when you move to a different city for work.

If you are buying a home for investment purposes, you should also think about the rental market in the area. Research the average rent prices in the area, as well as the vacancy rate. This will help you to determine whether or not you will be able to make a profit from renting out your property.


3) You’ll Have Less Mortgage Debt When You’re Older

Even in mortgage, timing is everything. Studies show that people who buy their homes when they were younger get more value out of their property by the time they reach their 60’s. On average, those who buy property earlier in their life (aged about 25 to 34) can earn up to $150,000 in home equity.

This is largely in part to increasing home values every year. When you buy a home earlier, you are more likely to acquire property that will have a better home price appreciation, allowing you to pay your mortgage debt much faster.


4) You’ll Have More Stability

Another benefit of buying a home in your 20s is that you’ll have more stability. If you’re renting, your landlord could raise your rent at any time. This can make it difficult to budget and plan for the future.

However, if you own your home, your monthly mortgage payment will stay the same for the life of your loan. This can give you peace of mind and help you to better plan for your financial future.


5) You Can Customize Your Home

If you’re renting, you’re likely not allowed to make any changes to your home. This can be frustrating if you want to personalize your space.

However, if you own your home, you can make any changes you want. This can include painting the walls, updating the flooring, and adding new fixtures. You can also make your home more energy-efficient by adding new windows or insulation. These type of upgrades and updates help grow the value of your home. 



Owning a home can be a great way to invest in your future. It can also provide you with many other benefits. If you’re thinking about buying a home, consider these benefits. You may find that they’re enough to convince you to make the purchase.


Evergreen Investments can help you find the perfect home for you. We are a real estate investment services company that can connect you to ways you can grow your residential assets. Get in touch with us today for more information. 

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