US homeowners report rising financial stress from housing costs

A survey of 1,000 US homeowners conducted by Hometap reveals that 63% of respondents experience at least moderate financial stress due to homeownership. This is an increase from 55% reported in a June 2025 survey.

The reported stress impacts various aspects of daily life, including health, relationships, and work. Among those reporting high stress levels, 57% noted symptoms of anxiety or depression, 52% experienced sleep difficulties, and 33% delayed medical or dental care. Additionally, approximately 30% reported tension with partners or arguments regarding money.

Mortgage payments and property taxes were identified as primary drivers of stress. For homeowners citing mortgage payments as their most stressful cost, 89% reported at least moderate stress. Furthermore, 68% of stressed homeowners indicated that housing costs feel increasingly out of their control.