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Single women are becoming a significant force in the luxury real estate market, now representing 20% of American homeownership, a doubling from 30 years ago. This trend showcases that both older women, who are purchasing homes after outliving their husbands, and young professional women, who are delaying marriage, are driving the surge. The phenomenon is characterized as the 'single lady home surge' and highlights a cultural shift where financial independence allows women to prioritize homeownership. This growing demographic illustrates that a mortgage can empower women to achieve their housing goals without relying on partnership.