CoBuy Co-buying Rate™

The CoBuy Co-buying Rate™ is the share of U.S. home purchases that involve co-buyers. For 2026 it stands at 31.5%, up from 25% in 2021. It is the flagship child metric of the CoBuy Co-ownership Index™, CoBuy's recurring data series on co-ownership in America.

Track the current figure on the CoBuy Co-ownership Index.

What it captures

The rate reflects how often a home purchase involves more than one buyer who is not a spouse: friends buying together, siblings, parents and adult kids, or unmarried partners. Its steady climb, from 25% in 2021 to 31.5% in 2026, is the clearest single signal that co-buying has moved from the exception to a mainstream path into homeownership.

How it is derived

The rate is a triangulated estimate anchored to federal data, not a computed composite. It draws on U.S. Census (ACS) household data, HMDA mortgage data, and CoBuy's proprietary research across more than 3,500 co-buyers since 2016. It is reported as an estimate, disclosed as such, and refreshed with CoBuy's annual national report, published since 2021.

Why it matters for co-owners

For a prospective co-buyer, the rate is reassurance and context at once: nearly a third of U.S. home purchases now involve co-buyers, so buying with others is a well-worn path, not an oddity. Alongside the CoBuy Co-owner Count™ and average group size, the rate helps a group understand the market it is entering.

Key Points

• The share of U.S. home purchases that involve co-buyers
• 31.5% in 2026, up from 25% in 2021
• The flagship child metric of the CoBuy Co-ownership Index
• A triangulated estimate anchored to federal data (Census ACS, HMDA) plus CoBuy research, not a computed composite
• Reported as an estimate and refreshed with CoBuy's annual national report, published since 2021