For decades, homeownership has stood as a cornerstone of American economic aspiration - a symbol of wealth accumulation, stability, and belonging. Yet for Generation Z, born roughly between 1997 and 2012, the journey to owning their first home is unfolding on a markedly different terrain. They are entering adulthood amid elevated home-prices, historically high mortgage rates, high student-debt burdens, and a tight starter-home inventory.

Governor Greg Abbott has signed a $10 billion property tax relief package, promising major savings for Texas homeowners, seniors, and small businesses—pending voter approval in November 2025.