‘โสด สร้างตัว’ เจาะเทรนด์ผู้หญิงโสดยุคใหม่ แห่ลงทุนซื้อบ้านสร้างอนาคต | THE STANDARD WEALTH

Historically, buying a house often involved couples applying for joint loans due to the significant debt involved. However, this trend has shifted dramatically, with single women emerging as a powerful force in the real estate market, viewing homes not just as residences but as assets and tools for wealth building. CNBC statistics reveal that single women are now the primary buyer group for first homes, with a higher average income than single men. The average annual income for single women is $73,000, compared to $66,400 for single men. While an overall income gap between men and women still exists in the U.S. labor market (women earning about 85% of men's income), this gap narrows significantly for those ready to buy a house. Among first-time homebuyers, single women account for approximately 25% of purchases, while single men make up only 10%. Across all homebuyers, single women constitute 21% of the market, compared to 9% for single men, highlighting their growing influence. This shift is attributed to modern women's changing financial independence and their proactive approach to wealth creation. They no longer wait for a partner to secure their financial future, instead choosing to invest in real estate as a way to lock in housing costs, avoid rising rents, and convert monthly payments into asset building. The path to homeownership for single women hasn't been easy. In the 1970s, women faced significant discrimination, often requiring a male co-signer (father, brother, or husband) to secure a home loan, despite anti-discrimination laws passed in 1968. It wasn't until the Equal Credit Opportunity Act of 1974 that women gained the legal right to access credit and obtain home loans independently. This historical struggle has transformed single women into a major purchasing power and valuable customers for financial institutions. However, challenges remain. Single-income earners often face stricter loan criteria. The average age for single women buying their first home is 44, compared to 39 for single men. This suggests women may take longer to save for a down payment or build a strong financial profile to satisfy bank requirements. Starting a mortgage at 44 leaves less time to pay off a 25-30 year loan, demanding faster repayment. Furthermore, while average American incomes have grown by 155% in the last 20 years, house prices have surged by 207%, making homeownership increasingly difficult. Despite these hurdles, single women achieve homeownership through discipline and sacrifice. Approximately 41% of single women are willing to cut daily expenses—like international travel, designer shopping, and dining out—to save for a down payment and cover ongoing homeownership costs. This is a higher proportion than men, at 31%. Many also work harder to increase their income. This dedication reflects a belief that short-term sacrifice leads to long-term prosperity and peace, with homeownership being a source of immense pride and achievement. The question remains for viewers, regardless of their relationship status, how they view a house—as an investment or a home—and what sacrifices they are willing to make to achieve their own financial stability and asset ownership.