Will first-time homebuyers save California’s homeownership rate?

California’s homeownership rate has dipped to 54.3%, especially among first-time buyers aged 25-34. Many are juggling high student debt, rising mortgage rates, and soaring home prices, making ownership feel further out of reach. With employment hurdles and zoning restrictions, many won’t become homeowners until their 30s or even 40s—projections suggest any real growth may not come until after 2030. As someone who guides clients through local challenges like these every day, I know how complex the path to homeownership can be. My commitment is to provide honest advice and a smooth, informed experience, whether you’re entering the market for the first time or planning your next investment.