According to a recent report from the National Association of Realtors, the average down payment for a house or condo in the US in 2021 was 12%, but that average dropped to 10% for homebuyers under 40, and 6% for those under 30.  The actual average amount varies wildly depending on where you live. Marketing platform Optimal Blue estimates that as of March 2022, the median down payment in California came to $103,000, while the median down payment in Mississippi was $6,982.