Gen Z shifts to Bitcoin for wealth as housing share drops below 5%

Gen Z uses Bitcoin for wealth building, borrowing against it for home down payments, as housing market share drops under 5%.

20/09/2026 13:435 min read

Generation Z now constitutes under 5% of new home purchases, and Hunter Albright from SALT Lending believes this reality changes how an entire generation selects assets for wealth accumulation. During this conversation, Albright ties together housing affordability, Bitcoin as collateral, and the increasing practice of borrowing against Bitcoin for down payments, enabling investors to bypass a 30-year lockup of their coins. Albright also discusses Fannie Mae and Freddie Mac recognizing Bitcoin, SALT's loans with five-year durations, and the practical reality of a Bitcoin-powered lifestyle.

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