Consumer Corner
65% of US homeowners say owning a home costs more than expected. Staying put is getting harder, too.
(Tiffany Miller) For years, homeownership was pitched as the finish line. Save for the down payment, buy the house and build wealth over time. According to new research from Unlock, a company that helps homeowners access the equity in their home, 75% of U.S. homeowners say they have no plan to buy or sell a home this year. That sounds like stability. But as the research reveals, it is starting to feel more like stagnation.
Owning a home turns out to cost more than people thought it would, according to the survey of 2,003 homeowners in the United States, conducted in January 2026. The research found that 65% of U.S. homeowners say it is more expensive than what they expected before they bought. The math goes past the mortgage. Nationwide, property taxes climbed 41% between 2018 and 2025, according to the Lincoln Institute of Land Policy, with home insurance, maintenance and everyday costs piling on top.
Homeowners are cutting back in places that used to be off-limits. Twenty-two percent of respondents reported putting less into retirement to keep up with the cost of owning their home. Another 33% are putting off bigger purchases, like a car. These are not inconsequential cuts. They are cuts to the financial goals owning a home is supposed to make easier in the first place, like building a nest egg, growing an emergency fund or saving for the future.
The pressure shows up in the present, too. Nearly a third of homeowners have less than $1,000 in emergency fund savings. More than half say day-to-day expenses are causing significant stress in their lives.
It is not only about cutting back or feeling stressed about day-to-day expenses. The survey found 19% of U.S. homeowners say they would rather double their commute time to work than take on another monthly payment. For homeowners already paying a mortgage, insurance, taxes and maintenance, another bill ranks below an extra hour in traffic.
Costs are only half the story. Homeowners are also sitting on real wealth, though they cannot always say how much. The survey found almost half of U.S. homeowners are not sure how much equity they have built up in their home, including 28% who say they are not sure how to find out. The average mortgaged home in the U.S. holds about $299,000 in equity, according to Cotality, a data and analytics company.
Ask homeowners how they feel about having equity in their homes and the answers do not quite line up. Sixty percent say the option to leverage home equity provides an extra level of financial security. Yet 48% say they view home equity as long-term wealth and retirement security, and would only leverage it as a last resort. They want the option there. They just do not want to use it.
The result is a kind of holding pattern. Homeowners are paying more, staying put in homes they cannot easily afford to leave and sitting on wealth they would rather not disturb. The usual options come with a catch. Selling means moving. Refinancing means giving up a low locked-in mortgage rate. According to Realtor.com, 51.5% of outstanding U.S. mortgages still carry rates at or below 4%. Taking out a home equity line of credit or home equity loan adds another monthly payment. Each option asks for something homeowners are trying to avoid. The open question is whether the standard options are still the only options. What used to look like a financial finish line is starting to look more like a treadmill.
Methodology
Unlock commissioned Atomik Research to conduct an online survey of 2,003 homeowners in the United States. The margin of error is plus or minus 2 percentage points at a 95 percent confidence level. Fieldwork was conducted from Jan. 24-30, 2026. Atomik Research, part of 4media group, is a creative market research agency.
Photo courtesy of Shutterstock
SOURCE:
Unlock
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Family
The House That Hosts: When Your Home Becomes Your Holiday Entertaining Partner
The House That Hosts: There’s a special pleasure in opening your home for the holidays to share the menu you’ve imagined, welcome guests to the glow of a room ready for company and enjoy the anticipation of familiar faces at the door. This year, make sure the house itself can lend a hand.
The House That Hosts: When Your Home Becomes Your Holiday Entertaining Partner
(Feature Impact) There’s a special pleasure in opening your home for the holidays to share the menu you’ve imagined, welcome guests to the glow of a room ready for company and enjoy the anticipation of familiar faces at the door. Every detail is an opportunity to make the loved ones you’ve invited feel especially welcome.
This year, make sure the house itself can lend a hand.
From the kitchen to the living room to the guest bathroom, residential technology offers new ways to turn a host’s imagination into a memorable experience. The best innovations don’t take over the occasion. They help the person bringing everyone together make it extraordinary.
Nor does a home need an elaborate network of connected gadgets. A few well-chosen technologies can make a difference. Explore these ideas from the bathroom design and technology experts at TOTO to level up the different hosting areas of your home as you prepare to gather with family and friends this holiday season.
The Kitchen: Bringing Something Extraordinary to the Table
The holidays invite a little culinary ambition, and today’s kitchens are borrowing a few tricks from professional chefs.
Imagine presenting a beef tenderloin cooked to a perfect rosy pink from edge to edge, thanks to the precision of sous vide cooking. Or bringing a platter of roasted root vegetables to the table, their edges beautifully caramelized and their centers tender, prepared in a steam-convection oven. On an induction cooktop, precise, responsive heat helps turn fresh mushrooms into a golden, savory accompaniment.
These technologies put sophisticated techniques within reach of adventurous home cooks, opening the door to new preparations and dishes worthy of special occasions. Experiment with new flavors and rich cuisines that fill your home with enticing aromas and your guests with awe at the first bite.
Nothing says “happy holidays” quite like watching guests discover what you’ve created for them.
The Living Area: Setting the Stage for Connection
Holiday gatherings have a rhythm all their own. The first arrivals are greeted with excitement, conversations pick up where they left off months (or years) prior, and before long, the room is filled with laughter and the pleasure of being together.
Today’s smart lighting systems allow hosts to create and schedule scenes that shift from the sparkle of a festive welcome to the softer, golden glow of an intimate evening. Multiroom wireless audio systems can bring lively music into the kitchen while keeping it a gentle accompaniment to conversation in the living area. Digital art displays can turn a television screen into a gallery of artwork chosen to complement the celebration, bringing holidays past to life as loved ones mingle in the present.
Successful holiday entertainment engages people not merely as observers, but participants. A short film could start an inspiring conversation, the right music might get people dancing and atmospheric visual-audio experiences, like a crackling fireplace or soft snowstorm, can create a relaxing seasonal backdrop for shared activities.
With the atmosphere changing quietly in the background, no one needs to interrupt a favorite story to adjust the lights or lower the music. The host can simply enjoy the company they’ve brought together.
The Bathroom: The Art of Personal Comfort
The most gracious hosts think beyond the rooms where guests gather. Fresh towels, fragrant soaps and a few unexpected comforts can make the guest bathroom feel every bit as welcoming as the rest of the home.
Technology adds a new dimension to that hospitality. Consider a TOTO WASHLET bidet seat, which offers the welcome warmth of a heated seat, the refreshing pleasure of warm-water cleansing and the soothing comfort of warm-air drying. It’s an unexpected luxury that makes an everyday experience feel special.
Hosts can choose an option that complements their home’s character. The S2 offers inviting simplicity with convenient side-panel controls. The sleek S5 pairs contemporary elegance with a wireless remote. Meanwhile, the S7A adds a touch of theater with a lid that opens automatically, a softly glowing nightlight and personalized cleansing settings.
Even the housekeeping benefits from a little ingenuity through automatic PREMIST and EWATER+: One mists the toilet bowl before use to help keep it cleaner, while the other cleans the cleansing wand and, on select models, the bowl itself with electrolyzed water.
It’s another way a thoughtful host can anticipate guests’ needs and make them feel wonderfully welcome.
Long after the last guest has departed, what lingers isn’t the sophistication of the house. It’s the meal that inspired compliments, the conversations no one wanted to end and the little surprises that made everyone feel at home.
Those are the moments that make holiday entertaining special. Behind each one is a host whose warmth, creativity and attention to detail made it possible, with a little help from the house. Explore more sophisticated bathroom upgrade ideas for the holidays and beyond at TOTOUSA.com.
Photo courtesy of Shutterstock (holiday table)
SOURCE:
TOTO
home improvement
Easy Furniture Upcycling Projects You Can Do in a Weekend
Easy Furniture Upcycling Projects: Giving secondhand furniture a new life is a creative, satisfying and budget-friendly way to add personality to your home. Next time you’re in the mood to spend time working with your hands, try these simple DIY furniture upcycling ideas.
Easy Furniture Upcycling Projects You Can Do in a Weekend
(Feature Impact) Giving secondhand furniture a new life is a creative, satisfying and budget-friendly way to add personality to your home. Upcycling doesn’t have to be complicated or expensive – all it takes is a little imagination, some basic supplies and a free weekend.
Next time you’re in the mood to spend time working with your hands, try these simple DIY furniture upcycling ideas.
Give a Worn Dresser a Fresh Look
Dressers have a way of accumulating scuffs and scratches over time, but it doesn’t take much to refresh their look. Clean the surfaces, sand away any rough spots then apply a fresh coat of furniture paint. To turn it into a stylish statement piece, choose a classy, on-trend color like sage green, deep navy or a warm neutral and replace the drawer pulls with modern hardware to match.
Transform an Old Coffee Table
The coffee table is a natural centerpiece of your living room, so give it an update that fits your preferred aesthetic. Sand it smooth, choose a new wood stain for a more natural look or paint it to match or create contrast with your walls and seating. Adding a protective clear coat can help the surface withstand everyday use and look new for longer.
Turn Wooden Chairs into Stylish Accent Pieces
If you have a collection of mismatched or worn-out wooden chairs around the house, try your hand at refurbishing instead of replacing them. Give them a good wash, repair any broken rungs, update the seats with fresh fabric or new cushions or unleash your inner artist by giving the chairs fun new designs with paint or peel-and-stick contact paper. If they aren’t a good fit for your main dining area, use the chairs as porch decorations or extra seating during parties.
Repurpose an Old Bookshelf
Bookshelves don’t just have to be for books. Give it a fresh design using paint or decorative wallpaper then transform it into a display cabinet, pantry organizer, entryway cubby for shoes and school supplies or whatever else your imagination sparks. Stave off clutter by adding visually appealing bins or baskets to help the shelves stay clean and organized.
Create a Unique Side Table
You can turn a variety of old furniture into side tables, from nightstands and end tables to stools and chairs with the backs removed. Consider adding decorative trim, stenciled designs, patterned tabletops or vibrant paint colors then give the finished table a new life as a plant display, bedside stand or porch accent piece.
Discover more home, lifestyle and crafting ideas at eLivingtoday.com.
Photo courtesy of Shutterstock
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Automotive
2027 Toyota Tundra Adds Trailhunter Package and Updated Technology
The 2027 Toyota Tundra adds a Trailhunter package, refreshed styling and a standard 14-inch touchscreen. Starting MSRP is $42,890.
Last Updated on November 7, 2026 by Daily News Staff
PLANO, Texas — Toyota is updating the 2027 Tundra with refreshed exterior styling, a new Trailhunter package and additional technology for its full-size pickup lineup.
2027 Toyota Tundra: Trailhunter Package and Tech Updates
Based on the SR5 grade, the Trailhunter package adds Old Man Emu suspension, Michelin all-terrain tires, front recovery hooks and extra underbody protection. A locking rear differential, Multi-Terrain Select and Crawl Control help drivers navigate challenging terrain, while bronze-colored wheels distinguish the package.
The TRD Pro receives newly designed, adjustable FOX Q3S shocks, standard red tow hooks and a new Honeycomb paint option.
Inside, a 14-inch multimedia touchscreen becomes standard. Toyota also adds a built-in drive recorder and makes Toyota Safety Sense 4.0 standard across the lineup. Gas and i-FORCE MAX hybrid powertrains remain available.
Toyota lists the 2027 Tundra with a starting MSRP of $42,890. Buyers should check destination charges, options and dealer pricing when comparing total costs.
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