Why Homeowners Are Diversifying Home Equity into Bitcoin
For many U.S. households, the largest component of personal wealth is not in stocks or retirement accounts, it sits in their homes. Over the past decade, property values have climbed sharply, leaving homeowners with substantial paper gains.
The question increasingly asked: should all of this wealth remain tied to a single asset class?
Traditionally, housing has delivered a reliable but modest annual return, averaging around 3–4% over the long term. While real estate offers stability, it does little to diversify exposure or capture the outsized gains seen elsewhere in capital markets. That’s why an emerging cohort of homeowners are now reallocating a portion of their equity into higher-growth assets, chief among them, Bitcoin.
Despite its volatility, Bitcoin has been the best-performing major asset of the past decade. A striking illustration: in 2017, the median U.S. home cost the equivalent of 24 BTC. By 2025, that same property equates to only 4 BTC.
Put differently, homes have consistently lost ground when measured against Bitcoin’s long-term trajectory (see chart).
Financial institutions have taken notice. Major Wall Street players now recognize Bitcoin as a legitimate portfolio allocation, offering dedicated investment products and research.
Notably, institutions like Fidelity have incorporated Bitcoin into their investment strategies, providing it as an option for their clients and in some cases recommending allocations as part of their financial advice. (Fidelity Digital Assets. “The Case for Bitcoin.” Institutional Fidelity.)
Horizon provides homeowners with a unique path to participate in the monetization of Bitcoin.
By unlocking home equity without additional monthly payments or new debt obligations, Horizon enables families to retain ownership of their homes while diversifying a portion of their wealth into Bitcoin. It is a way to transform dormant home equity into a dynamic store of value, one increasingly endorsed by institutions and forward-looking wealth advisors alike.
In essence, using home equity to diversify into Bitcoin via Horizon presents an appealing option for homeowners seeking a different return profile and broader financial diversification, especially given current market dynamics and new institutional endorsements.
Our personal rule of thumb: Own enough Bitcoin so that a 20x increase could significantly improve your financial future, but not so much that a 50% drop would cause you distress.
Disclaimer: Horizon is a technology platform facilitating home equity investment agreements through Preferred Providers. Horizon does not offer financial products directly nor receive referral incentives. The above details are illustrative; actual terms vary based on provider underwriting and individual circumstances. Please consult directly with financial professionals for specific guidance tailored to your situation.
