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Home Market Research Business

Why boomers keep winning in the housing market as ‘investors and second-home buyers’ continue to dominate

by TheAdviserMagazine
3 weeks ago
in Business
Reading Time: 3 mins read
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Why boomers keep winning in the housing market as ‘investors and second-home buyers’ continue to dominate
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All-cash offers have cemented their place as a formidable force in the U.S. housing market, accounting for nearly one in three home purchases in the first half of 2025, according to the latest analysis from Realtor.com. The data reveals that about 32.8% of home sales so far this year were completed fully in cash—a figure only slightly lower than last year, but significantly above pre-pandemic norms. These transactions are “especially common at the extreme ends of the price spectrum,” writes senior economic research analyst Hannah Jones, who notes that they vary dramatically across regions.

Central to this phenomenon is the growing role of two groups, Jones concludes: investors and second-home buyers. Institutional investors, in particular, have continued to leverage their financial heft, making swift, uncompromising offers—often without the need for financing. Jones’s analysis of deed data suggests to her that LLC and corporate entities make up a “disproportionate share” of cash transactions, she says, followed by second-home buyers, particularly in vacation markets. Jones cited her previous research that the share of investors who paid all cash in 2024 was nearly double the share of overall cash sales.  

Zooming out over the past several years, Jones found the cash share rising from 27.5% in 2019 to a recent peak of 34% in 2023, easing both of the past two years to the current level. Jones concluded this decline likely reflects fewer large investors and less intense buyer competition, with a housing market shifting, slowly, toward more balance.

“After dominating some markets during the pandemic, large investor activity has retreated, giving way to smaller investors who more often use financing.” She warns that investor presence remains elevated, with many non-investor buyers sidelined, and cash purchases still representing a sizable part of the market. In other words, hopeful millennial and Gen Z first-time homebuyers are up against deep-pocketed boomers and deep-pocketed Wall Street types.

ResiClub co-founder Lance Lambert told Fortune that investors and second-home buyers have “always been a big chunk of the all-cash market,” but given the current higher-mortgage-rate environment, “we’re seeing all-cash buyers also include more Baby Boomers who are more likely right now to roll over their equity into that next home.” He added that in absolute terms, every category of homebuyer has contracted since mortgage rates surged in 2022 and U.S. existing home sales fell to multidecade lows, but all-cash buyers haven’t retreated as sharply, so their share of the market has been boosted. Lambert said that some repeat buyers who are still moving forward with plans to sell and relocate are either tapping into their substantial home equity or liquidating investments to pay all-cash and avoid today’s higher mortgage rates.

Geographical disparities in cash sales

The new data also highlight stark regional disparities. States like Mississippi (49.6%), New Mexico (48.8%), Montana (46.0%), Hawaii (44.9%), and Maine (44.4%) lead the nation in cash sales, driven by a mix of affordable prices, out-of-state interest, and older demographics. These areas contrast sharply with high-cost, mortgage-dependent hubs such as Washington (21.1%), Washington, D.C. (23.4%), and Maryland (24.0%), where younger buyers and stronger lending infrastructure prevail.

At the metro level, Miami (43.0%), San Antonio (39.6%), and Kansas City (39.2%) top the charts, combining both investor activity and, in some cases, significant luxury or international demand. Meanwhile, cities like Seattle (17.9%) and San Jose (20.6%) see the lowest proportions of cash deals, reflecting higher reliance on traditional mortgages because of high local incomes and younger populations.

Jones proposes a pattern to the data: a U-shaped phenomenon of lower and upper-end transactions being particularly cash-sensitive.

The pattern behind the data

The high volume of cash transactions partly reflects an environment marked by elevated mortgage rates and fierce buyer competition. In many markets, cash offers are viewed as the fastest and simplest way to close a deal—bypassing financing contingencies and offering sellers greater certainty. During 2021’s record housing frenzy, the number of cash sales soared to roughly 2 million, the highest in any dataset available to Jones from Realtor.com. While the number dropped to about 1.4 million in 2024, reflecting a slower sales pace and retreating large investor activity, the cash share remains historic by long-term standards.

Behind these numbers is a striking U-shaped pattern: Cash buying surges at both the low end—where as many as two-thirds of homes under $100,000 are sold without loans—and the high end, with over 40% of homes above $1 million changing hands in cash. The result is a marketplace where first-time and lower-income buyers, often reliant on financing, are outflanked by older, equity-rich, and wealthier competitors.

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