FNB property survey picture for Roy's story.photo by Simphiwe Mbokazi 453 The ideal is a more inclusive housing market where youth across income levels can access homeownership in a sustainable way.
South Africa’s youth is entering the housing market under increasing financial pressure, which is delaying homeownership and limiting capacity for long-term credit.
For Gen Z, affordability constraints, broader household strain and competing priorities are key factors shaping this trend, says Ayesha Hatea, the Director of Research and Consulting at TransUnion South Africa.
She says TransUnion’s Q1 2026 Consumer Pulse Study (CPS) shows many consumers expect difficulty meeting at least one financial obligation thereby reflecting financial pressure that can delay higher-value decisions such as entering the property market.
“However, younger consumers remain active in credit, often starting with entry-level products to build credit histories,” Hatea says.
