How a Gen Z couple with $30k in student debt bought a $435k home in Georgia

"In just two years, Hannah Sieczkowski, 24, went from dreading her job and living with her parents to landing a role she enjoys - and becoming a homeowner. In November 2023, Sieczkowski and her husband, Kyle, 27, purchased a $435,000 four-bedroom, 3.5-bath home in Woodstock, Georgia, a suburb north of Atlanta. A variety of financial factors made homeownership feasible, including their dual incomes. Together, they earn about $130,000 annually. She works as a vendor management specialist, and he's a cybersecurity analyst."

""We're the only ones we know at our age that actually have a house," Sieczkowski said. "It's only by the grace of God that we have all of this and our jobs." The couple is part of a cohort of Gen Zers who graduated before 2024, when US businesses began hiring at nearly the slowest pace in more than a decade - a trend that continues today. That timing left them better positioned to land jobs, build savings, and start thinking seriously about homeownership."

Hannah Sieczkowski and her husband Kyle purchased a $435,000 four-bedroom home in Woodstock, Georgia, in November 2023 after two years of rapid change. The couple earns about $130,000 combined; she is a vendor management specialist and he is a cybersecurity analyst. They used a Veterans Affairs loan tied to Kyle's military service to avoid private mortgage insurance without a 20% down payment. They saved by living with Sieczkowski's parents for months after marrying, and renting out the basement and refinancing later helped their finances. Graduates who entered the job market before 2024 were generally better positioned to build savings and pursue homeownership than more recent graduates.

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