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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(Sheeka Sanahori) There is always something: a leaky faucet, chipping paint, gutters full of leaves or a room that no longer works the way it used to. Homeownership comes with a permanent background hum of maintenance, repairs and decisions that can only be ignored for so long.
What homeowners do next depends a lot on where they live.
A new international study from Angi, a home services marketplace, found that Americans are among the world’s more proactive homeowners, with nearly half (49%) taking a preventative approach to maintenance, scheduling regular checks and staying on top of concerns before something breaks. South Korea leads the study at 56%. Japan sits at the other end: 60% of Japanese homeowners address issues only when they arise.
When it comes to DIY home repairs, France leads the study. Sixty-five percent of French homeowners say they handle most repairs themselves, the highest rate among the surveyed countries.
Home care, it turns out, looks fundamentally different depending on where people live and what they believe home is for. Cultural differences are also at play for homeowner behavior beyond the toolbox. In France, 2 out of 5 homeowners enforce a no-phones rule at the dinner table, the highest rate in the study, while Canadians and Japanese are nearly twice as likely as Americans to require shoes off at the door (69% vs. 37%).
Opinions vary from country to country, even for keeping a tidy home. A majority of Germans and Americans prefer to keep a “lived-in and comfortable” appearance. Forty percent of Brazilians believe a home should always be clean and tidy, more than any other country. Of all the countries surveyed, the Dutch were the most likely to respond with “home is for living, not impressing others.”
In North America, homeownership tends to be tied to investment. Americans and Canadians are the most likely of any country to renovate specifically to increase property value, while many European homeowners prioritize comfort and quality of life over resale potential. When a home no longer fits, the instinct varies just as sharply: More than three-quarters of German homeowners would renovate rather than move, the highest rate across all countries surveyed, while 41% of British homeowners would rather relocate. Americans take a more pragmatic middle path—37% say they would stay and make do.
Unexpected and emergency repairs remain a universal source of stress regardless of the country. The most maintenance-minded Americans are also the youngest: Gen Z and Millennial homeowners lead on proactive upkeep, with 51% preferring to check home systems before problems start and 55% using smart security technology compared with 19% of Baby Boomers and the Silent Generation.
A home is never just the structure itself. It reflects the routines, priorities and tradeoffs people make, from the repairs they tackle to the rituals that shape daily life. Around the world, home care is less about one right way to do it and more about what people believe a home is supposed to be.
Methodology
Angi, along with its international family of home service marketplaces, commissioned an online survey of 4,492 homeowners across 10 countries, including the United States, Canada, the United Kingdom, France, Germany, the Netherlands, Australia, South Korea, Japan and Brazil. The U.S. sample included 1,237 homeowners. The margin of error for U.S. findings is plus or minus 2.8 percentage points at a 95% confidence level. Fieldwork was conducted between May 1 and May 19, 2026.
Photo courtesy of Shutterstock
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(Feature Impact) Stretches of scorching summer days may leave you and your family feeling like you just can’t quite get (or stay) cool. If you find yourself resigned to cooler rooms or leaving ceiling fans on constantly, it might be time to check your air conditioner.
Extreme heat is no longer rare for many parts of the country. According to recent data from the U.S. Census Bureau, more than 13 million households reported being uncomfortably hot for an extended period.
Not all air conditioning systems perform the same when temperatures spike. While most systems can keep up on typical summer days, prolonged heat can expose performance gaps, leading to uneven cooling and higher energy use. The difference often comes down to how the system is designed.
To better understand whether your HVAC system can stand up to summer, consider this information from the experts at Mitsubishi Electric Trane HVAC US (METUS), a world leader in residential air conditioning units with sophisticated, durable systems that deliver quiet operation and energy-efficient performance.
Why Some Homes Stay More Comfortable Than Others
Not every home experiences summer heat the same way. Factors such as home layout, sun exposure, insulation, and HVAC system design can all influence how effectively a home maintains comfort during prolonged periods of high temperatures.
For example, upstairs bedrooms, rooms with large windows, and spaces exposed to direct afternoon sun often have different cooling demands than other areas of the home. Systems that provide more precise temperature control and flexibility can help address these differences and deliver more consistent comfort throughout the house.
Signs Your System May Be Struggling
As summer temperatures rise, there are often clear signs that an HVAC system may be struggling to keep up with demand. One of the most common indicators is a system that seems to run constantly during the hottest parts of the day, yet fails to deliver the level of comfort homeowners expect.
Homeowners may also notice persistent warm spots in certain rooms, increased indoor humidity, or weaker airflow from vents. In some cases, increased noise from vents or equipment may signal the system is working harder than usual to maintain airflow and cooling performance.
Another warning sign often appears on monthly utility statements. A noticeable increase in energy use during peak summer months can indicate the system is consuming more power to maintain comfort under challenging conditions.
What Makes the Difference in Extreme Heat
Not all HVAC systems are built the same. Modern system design plays a critical role in how well a home stays comfortable during prolonged high temperatures. Zoned Comfort Solutions from Mitsubishi Electric include ducted and ductless options designed to deliver reliable comfort, efficiency, and control in demanding conditions like summer heat surges, along with important features like:
- Cooling performance designed to maintain comfort even during extreme outdoor temperatures
- Precise temperature control that helps deliver more consistent comfort throughout the home
- Quiet, efficient operation that delivers strong performance with less noise and energy use
- Flexible installation options for homes with existing ductwork and homes without ducts, plus room additions, garages, sunrooms, and other hard-to-cool spaces
Evaluating whether your current system is designed to handle sustained high temperatures can help prevent discomfort and avoid rushed decisions during the hottest days of the year. To learn more, visit MitsubishiComfort.com.
SOURCE:
Mitsubishi Electric Trane HVAC US
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Consumer Corner
Behind the Product: What Sustainability Looks Like in Beauty Development
Beauty Development: Shoppers want to know what ingredients are used, how items are packaged and whether the production process includes thoughtful choices. Beauty brands are taking note, and sustainability is increasingly shaping decisions across sourcing, packaging, production, shipping, storage and replenishment.
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(Feature Impact) Shoppers are paying closer attention to the products they bring into their homes. They want to know what ingredients are used, how items are packaged and whether the production process includes thoughtful choices. Beauty brands are taking note, and sustainability is increasingly shaping decisions across sourcing, packaging, production, shipping, storage and replenishment.
Responsible product lines rarely come from sweeping change. They are built through smaller, connected choices made throughout development. Packaging, ingredient sourcing and production planning influence how a product performs, how much waste it creates and how sustainably products can be produced.
Consider this beauty sustainability information from Laura Badcock, Chief Operating Officer of NourishUs Naturals.
Why packaging matters beyond appearance
“Packaging is often the first thing shoppers notice,” Badcock said. “It can shape how someone feels about a product before they ever try what’s inside.”
A package should look appealing, though appearance is only part of the equation. It also needs to protect the product, travel safely, store well and hold up through regular use. Once the product is finished, the packaging should allow easy recycling, refilling or responsible disposal.
There is no single packaging option that works best for every beauty product. A lightweight container may reduce shipping weight. A refillable option may stay in use longer. A recyclable material may work well in one area but create challenges in another if local recycling systems cannot process it. Even packaging that appears sustainable can create problems in practice if it leaks, breaks or requires excess shipping materials.
Why ingredient sourcing matters
“Ingredient lists have become an important part of how people evaluate beauty products,” Badcock said. “Shoppers often look for familiar oils, butters, botanical extracts and information about how ingredients were sourced, which plays a major role in the environmental impact.”
A product’s environmental footprint is influenced by many factors, including shipping distance, processing methods, storage conditions and supplier practices.
These factors can also affect product consistency and ingredient availability over time. Beauty brands working with wholesale skin care suppliers or private label manufacturers often need to balance ingredient goals with sourcing reliability and production needs.
How better planning can lead to less waste
“Packaging and ingredients are usually the first things people associate with sustainability, but how much product gets made, stored and discarded matters, too,” Badcock said.
Overproduction is one of the biggest hidden sources of waste in beauty and personal care. Products that sit too long in storage may eventually expire or remain unsold. Excess inventory can also create additional packaging waste, warehousing needs and disposal costs.
Smaller batch sizes give producers more room to adjust as trends or demand shift, and producing closer to expected sales windows helps reduce long storage periods and unnecessary waste. Testing new products in smaller volumes and restocking based on actual demand makes overproduction less likely.
How sustainable beauty choices are connected
Packaging, ingredient sourcing and production planning are closely connected throughout development.
“A packaging choice can affect shipping weight, storage needs and whether a package can be refilled,” Badcock said. “Ingredient choices can influence sourcing timelines and how products need to be stored. Production planning affects how much material gets used and how much product could eventually go unsold.”
Beauty shoppers want more transparency around sustainability claims
Sustainability claims carry less weight when those claims aren’t explained in practice.
This shift is pushing many beauty brands to focus more heavily on traceability, supplier relationships and clearer product information. Transparency is becoming part of the customer experience itself.
More responsible product lines are built over time
Responsible beauty products come together through ongoing choices around packaging, sourcing, production and inventory planning. For shoppers, those choices influence the products they bring into their homes.
“The brands that build sustainability into early decisions tend to have the easiest time maintaining it later,” Badcock said. “Once supplier relationships, packaging formats and production routines are in place, small adjustments are far easier than major changes. Treating sustainability as part of product development from the beginning, rather than something to fix later, is what makes it work in practice.”
To find more information on the intersection of beauty and sustainability, visitNourishUsNaturals.com.
Photo courtesy of Shutterstock
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