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New England Homeowners Cash In: Equity-Rich Boom, But Where’s Connecticut?

July 21, 2025 | Market Trends | Presented by ReadySetLoan™


Home equity has become a hot topic in 2025, and for good reason: homeowners across the U.S. are sitting on a record amount of equity, with nearly half of all mortgaged homes now considered equity-rich (meaning owners have at least 50% equity in their property).


According to ATTOM’s latest report, over 46% of U.S. mortgaged homes are equity-rich, reflecting years of rising home prices and steady mortgage payments. But where does New England — and specifically Connecticut — stand in this equity race?


🏡 New England’s Strong Showing


When it comes to equity-rich properties, New England absolutely shines. The region dominates the national rankings:

  • Vermont leads the entire nation with a staggering 85.8% of mortgaged homes equity-rich.

  • New Hampshire claims second place at 60.5%.

  • Rhode Island sits close behind at 59.8%.

  • Maine comes in strong at 58.9%, rounding out the top five.

  • Massachusetts is also in the top ten at 55.9%, up from 53.3% last year.

Six of the ten leading states for home equity are located in the Northeast — clear evidence that New England homeowners are reaping big rewards.


🧐 Connecticut: Quietly Climbing


So, where is Connecticut in this New England equity boom?

Connecticut actually ranks 20th nationally, with 48.0% of mortgaged homes equity-rich.

While this might not seem impressive at first glance, it represents a remarkable jump from 42.2% just one year ago — the largest year-over-year increase of any state in the country!


RSL Piggy Points 🐷💡

  • Connecticut’s counties leading the equity surge include New London, Litchfield, New Haven, Fairfield, and Windham.

  • Even if it’s not topping the charts, Connecticut homeowners are building equity at a record pace.


💰 Why Does Equity Matter?


High home equity provides powerful financial flexibility for homeowners. With more equity, you can:

  • Access cash through refinancing or home equity loans.

  • Invest in renovations to boost your home’s value.

  • Strengthen your overall financial health and lower your risk profile.


As ReadySetLoan™ always says: Your home isn’t just a place to live — it’s a powerful wealth-building tool!


🎯 RSL Perspective


The strong performance across New England signals a robust, resilient housing market in our region. Connecticut may not be at the very top, but its rapid equity growth is a clear indicator of market strength and homeowner confidence.


At ReadySetLoan™, we love helping Connecticut homeowners understand and maximize their equity. Whether you're considering tapping into that equity for a renovation project, paying down debt, or simply planning for the future, we're here to guide you every step of the way.


✅ The Bottom Line


  • New England is crushing it when it comes to home equity — Vermont, New Hampshire, Rhode Island, Maine, and Massachusetts lead the nation.

  • Connecticut is catching up fast, showing the biggest annual equity gain of all states.

  • Strong home equity gives homeowners more options and more financial security.


📞 Ready to put your home equity to work?


Connect with ReadySetLoan™, your trusted educational resource and home financing guide.


We’ll help you understand your options and plan your next move with confidence.



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