Hispanic homeownership reached 10.2 million in 2025 as Hispanic families formed 1.1 million new households, making up 92.6% of all household growth in the United States, according to the 2026 State of Hispanic Wealth Report and the State of Hispanic Homeownership Report from the National Association of Hispanic Real Estate Professionals. The data was revealed by the Hispanic Wealth Project at the NAHREP’s AVANCE Global conference in Las Vegas on Sept. 14.

Since HWP’s founding in 2014, Hispanic household wealth has more than tripled across the U.S., with the wealth gap narrowing from $8.87 to $4.47 for White households for every dollar of Hispanic wealth in the country.

“The 2026 State of Hispanic Wealth Report provides an important and timely look at how Latino families are shaping the economic future of the United States,” Beto Pallares, executive director of HWP, said in a press release. “This report celebrates the progress already made and reminds us that Hispanic prosperity is essential to America’s continued economic strength.”

At the same time, other measures of wealth increased for Hispanic families, as well: As of 2025, nearly half of Hispanic households have a retirement account, and Latino trust ownership increased from 7% to 11.1% over the past year.

However, new policies — like ramped-up immigration enforcement and restrictions on small business loans for noncitizens — could threaten Hispanic wealth growth in the U.S, HWP noted.

“Every data point in this report tells the same story: Latino families are building wealth faster than anyone else in America, and they’re doing it despite new obstacles being put in their path,” said NAHREP President Edwin Acevedo. “Protecting this progress is good for the entire U.S. economy.”

HWP’s 2034 goals

HWP has identified a number of goals for Hispanic wealth growth in the United States across four categories: real estate, business ownership, financial assets and asset protection.

Real estate-related goals the organization hopes to achieve by 2034 include:

• Maintaining a Hispanic homeownership rate of 50% or more.
• Increasing Hispanic-owned households to 11.5 million.
• Increasing Hispanic investment property ownership by 25%.
• Doubling the share of Hispanic real estate and mortgage professionals.

Recent policy changes

Certain policies from the current administration pose a challenge for Hispanic homeowners and business owners. Immigration enforcement has hurt the construction industry by shrinking the workforce. Many Latino-owned businesses have also struggled with a loss of customer activity as a result of stricter immigration policy, HWP said.

On the financing side, DACA recipients and individuals with Temporary Protected Status no longer qualify for FHA-insured lending, and lenders must now consider immigration status when evaluating borrowers for loans.

Loans from the Small Business Administration are also now restricted to U.S. citizens and nationals. With 52% of Latino businesses being immigrant-owned, that poses a threat to Hispanic entrepreneurs in the country.

The Census Bureau estimates that international migration will decline 75% in 2026, further intensifying labor and housing market shortages in the U.S.

Progress over the last several years

In spite of political headwinds, Hispanic wealth has come a long way in the U.S. since HWP’s founding over a decade ago. In 2013, the median Hispanic household net worth was $19,998. By 2019, it had grown to $42,380 and jumped to $63,400 by 2022.

The Hispanic homeownership rate increased to 49.5% in 2023, a promising sign for the demographic, especially when considering that Latinos are the youngest ethnic group in the country (the median Latino age is 31— 8 years younger than the national median and 12 years younger than a median-aged non-Hispanic White).

However, the homeownership rate dipped to 49% in 2024 and again to 48.5% in 2025. NAHREP and HWP attribute that decrease to rapid household formation outpacing the rate of Hispanic homeownership growth.

Despite the overall decrease in the Hispanic homeownership rate, the number of Hispanic households that own a home increased by 441,000 from 2024 to 2025, reaching 10.2 million. That was the largest increase among any demographic group and the largest single-year increase for Hispanic households since the U.S. Census Bureau began tracking the metric in 1975.

Real estate investment has also grown: In 2022, 9.5% of Latino households owned an investment property other than their primary residence. In 2025, though, Hispanic households accounted for 10.5% of all investment properties purchased with a mortgage, up from 8.1% four years prior. That amounted to over 41,000 investment properties, with 23% located in Florida, followed by 15% in Texas and 11% in California.

Looking forward, the Urban Institute projects that a majority of household growth will come from Hispanic families between 2020 and 2040 and that 70% of homeownership growth will come from Latinos.

A local look at Hispanic homeownership

In Texas, the Latino homeownership rate was 58.7% in 2025. Comparatively, 62.3% of the general population owns a home in the state. Latinos were responsible for 47.3% of homeownership growth over the past decade.

Latinos make up 40.3% of the overall Texas population at about 12.6 million. The median Latino age is 30.6, and 20.1% of the demographic has a bachelor’s degree or higher. The median Latino household income is $66,500.