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Equity Erosion
Equity's shrinking, risk is rising, and location is everything
Splits and Caps Daily: Action for Agents
June 16, 2025
📈 Market Move:
Housing Heatmap
Home equity just took a $4K haircut — but it’s not all doom and gloom.
Cotality (fka CoreLogic) dropped their latest equity report, and here’s the TL;DR:
The average U.S. homeowner with a mortgage lost $4,200 in equity over the past year. That’s the first real dip in a while. Negative equity (when your house is worth less than your loan) is ticking up too — now at 2.1%. Not 2008-bad (that was 26%), but worth watching.
But don’t let the national average fool you — this market’s got split personalities.
Hawaii got rocked (-$65K in equity), while Rhode Island’s living large (+$36K). The South’s dragging things down (hi, Florida and Texas) thanks to rising insurance, taxes, and a front-row seat to climate chaos. Meanwhile, the Northeast is quietly stacking gains.
Zoom out: If home prices drop just 5%, another 250K folks fall underwater. But if they go up 5%? 150K get their equity back. That’s how thin the margin is right now.
The play: Know your market. Hyperlocal matters more than ever.
🌟Quote of the Day:
"Success is not measured by money or power, but by discipline and inner peace." — Mike Ditka
📊🤔 Agent Poll Results
On 6/13, we asked: How well does your current brokerage actually fit you?
The results are in!
💪 Perfect fit — values, support, style, everything: 16.7%
🤝 It’s decent, but I’ve had to compromise on some stuff: 16.7%
🧐 Honestly… I’ve outgrown it: 50%
🚪I’m already eyeing the exit): 16.7%
A good mix! But some room for improvement!
🎉 Fun Fact of the Day:
Fire Funds: A Fireplace Adds Real Cash. Homes with fireplaces can sell for up to 13% more, especially in colder markets. Apparently, buyers love a cozy spot to argue about HGTV remodels.
Resource Recommendation
In case you missed it when we dropped it this weekend… we just launched something that’s gonna make a lot of agents rethink where they are and why they’re there.
It’s called SplitFit — and it’s built to help you figure out which brokerage actually fits you. Not just based on splits, but based on how you work, what you want, and where you’re headed.
No more guessing. No more “hope this works out.”
Just clear, honest matches — powered by what you actually care about.
This is for agents who are thinking strategically, not just emotionally. Your future self will thank you.
Most people are waiting. Winners are building.
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