What If You Could Live in Your Bitcoin?

For years, one of the most common jokes about bitcoin was that you couldn’t live in it. Detractors said it had no “real” value because it wasn’t tangible like gold or a house. But $2.4 trillion in market value later, bitcoin has clearly proven itself. It has been one of the best-performing assets of the past decade, compounding at nearly 30% annually since inception and averaging close to 60% yearly growth over the past five years.

So what happens if we ask that question again, this time seriously: what if you could live in your bitcoin?

The Limitations of Housing as Wealth

Homes are the backbone of American wealth. Roughly 60% of the average household’s net worth is tied up in housing. Nationally, the average home is worth about $410,800, and values have compounded at about 3% annually over the long run. That growth is stable, but it comes with two problems: concentration and illiquidity.

Your equity is trapped in drywall. You can’t peel off a piece of it to diversify into other assets without taking on debt or selling your home. That rigidity means that while you look wealthy on paper, your options are limited in practice.

Bitcoin as the Counterbalance

Bitcoin changes the equation. Unlike a home, it has global liquidity. Unlike dollars, its supply is fixed. And unlike most traditional macro assets, its growth has been exponential.

To put this into perspective, in 2017, the median U.S. home cost 24 BTC. By 2025, that same home costs just 4 BTC. Over its entire history with a market price, homes prices in bitcoin have dropped over 99%. Homes didn’t lose value in dollar terms, they simply couldn’t keep up with bitcoin.

What Happens If You Combine Them?

Let’s take a $500,000 home, slightly higher than the national average, and assume it grows at 3% annually over 21 years. Your home's value in and of itself after 21 years would be $900,000. Not bad.

Now, let’s say you allocated just 10% of that home’s value into bitcoin. If bitcoin compounds at a historically conservative 21% CAGR, your combined home and bitcoin stack grows to $3.1 million.

At a slightly higher 26% CAGR over 21 years, the value would reach $5.9 million.

At a 30% CAGR over 21 years, your home and bitcoin holdings combined would exceed $10.3 million. The takeaway is clear: even a small, prudent allocation to bitcoin can dramatically change the trajectory of long-term wealth.

How Horizon Makes It Possible

Traditionally, accessing home equity means debt: HELOCs, cash-out refinances, or reverse mortgages. All carry interest, monthly payments, or fixed-term obligations. Horizon offers something different.

We help homeowners unlock equity and convert it into bitcoin without loans, interest, or monthly payments. You keep the bitcoin upside. You keep your home. And you stay liquid in a way housing alone can never provide.

Living in Your Bitcoin

For years, the idea of “living in your bitcoin” was a punchline. Today, with Horizon, it can be a reality. By reallocating a portion of your home’s value into bitcoin, you combine the stability of housing with the growth and liquidity of the world’s hardest money.

You can use Horizon’s calculator to explore what this could look like for your situation. Every homeowner’s scenario is unique.

At Horizon, our mission is simple. We help homeowners unlock equity so they can secure their financial future with Bitcoin.

Visit joinhorizon.com to see how you can unlock your equity, stack bitcoin, and transform the way you build wealth.

Disclaimer: Horizon is a technology company that helps users buy and custody their Bitcoin and does not directly provide financial or investment services. Horizon connects homeowners with licensed home equity investment providers but does not act as an agent or broker for the homeowner or any third party. Homeowners should consult their financial, tax, or legal advisor before making any investment decision. For additional information, please refer to our FAQ, terms and conditions, and our preferred providers' websites.