How Long Does it Take to Save for a Down Payment?

In 2025, it takes the typical U.S. household 7 years to save for a down payment, improved from 12 years in 2022 but still double pre-pandemic norms due to higher home prices and lower savings rates. Coastal metros require 20-35+ years, pricing out many buyers, while affordable Southern metros and military hubs often need under 5 years, aided by VA loans and lower prices. Saving remains a key barrier to homeownership.