Average Down Payment on a House (2026)
13%
Average down payment percentage (all buyers)
Summary
The average down payment for US homebuyers is 13% of the purchase price in 2026 — far below the traditional '20% rule.' First-time buyers average just 6-8%; repeat buyers average 17%. On the median $412,300 home, 13% down is approximately $53,600, while 20% would be $82,460.
Breakdown
Source
National Association of Realtors· As of 2026-Q1
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All Pulsafi stats are sourced from primary government data and major financial institutions. Read the full methodology and data-sources page.