Average homeowner gains more than $30K in home equity over last year By Kelsey Ramirez article Home equity is rising, surging nearly 20 percent, or by more than $30,000 per homeowner, since last year. (iStock) The average homeowner has been building home equity over the past year with gains of about $33,400 between the first quarter of 2020 and the first quarter of 2021, according to the latest Overall, homeowners with mortgage loans, which account for about 62% of all homeowners in the U.S., saw a 19.2% increase in home equity from 2020 to 2021, according to the report. The collective gain across the U.S. came to $1.9 trillion.