Share of US Mortgages Under $100,000 Falls Below 3%
JH Kim
Summary
- The share of small US mortgages under $100,000 fell to less than 3% of all home loans in the country.
- Realtor.com said small mortgages declined because of a drop in lower-priced homes and factors that make it harder to originate small loans.
- The median price in 2026 for homes bought with small mortgages was $109,681.
Forecast Trend Report by Period
The share of US mortgages under $100,000 has fallen below 3% of all home loans, down sharply from more than 12% in 2013 and 2014.
Realtor.com, a real estate information provider, said on October 7 that mortgages under $100,000 accounted for less than 3% of all US home loans in 2025 and 2026.
The company attributed the decline to a shrinking supply of low-priced homes and persistent factors that make small loans harder to originate. As a result, financing options have also narrowed for consumers seeking to buy relatively affordable homes.
The median price of homes purchased with small mortgages in 2026 was $109,681.
JH Kim
reporter1@bloomingbit.ioHi, I'm a Bloomingbit reporter, bringing you the latest cryptocurrency news.