PeopleImages / Getty Images If you want to buy a home in your 30s or 40s, you'll need some money saved for the down payment. Key Takeaways Those under age 35 had a median transaction account balance of $5,400 as of 2022 and an average balance of $21,000. Those in the 35-44 range had a median of $7,500 and an average of $42,000. Those in the 45-54 range had a median of $9,000 and an average of $71,000. The average down payment on a home in the U.S. is around $60,000, as of the third quarter of 2025. I ...