Advertise
- Nidhi Kolhapur
Nidhi Kolhapur
Nidhi is a Certified Digital Marketing Executive and Passionate crypto Journalist covering the world of alternative currencies. She shares the latest and trending news on Cryptocurrency and Blockchain.
- Reviewed by:
Anjali Belgaumkar
Writer by choice, CryptoCurrency Writer, and Researcher by chance. Currently, focusing on financial news and analysis, as well as cryptocurrency news and data. One may not call me a crypto “Enthusiast” but trust me I'm getting there.
- Jun 26, 2025 07:44 UTC
-
ChatGPT Predicts: 192,000 XRP for a Home? Here’s How Crypto Is Entering the Real Estate Market
FHFA now allows crypto assets like XRP to count toward U.S. mortgage applications, signaling wider mainstream adoption.
At $2.19 per XRP, buying a $420K U.S. home would take ~192K XRP; global use of XRP for real estate is also gaining momentum.
As cryptocurrencies continue to gain mainstream acceptance, many investors wonder how useful their crypto is in daily life. In a big development, the U.S. Federal Housing Finance Agency took a bold step by allowing cryptocurrencies to be counted as assets in mortgage applications.
Crypto Now Counts for Home Loans!
This new rule means crypto holdings can now help people qualify for loans. It’s a positive move for crypto users and a sign that digital assets are becoming a regular part of the financial system.
From rising prices to new rules that recognize digital assets, XRP is stepping out of the trading charts. How much XRP would you need to purchase a home in the United States? Let us explore the details as ChatGPT reveals the answer.
As of now, XRP is trading around $2.19. The median price for a typical home in the U.S. is approximately $420,000, though this can vary by state, city, and property type.
If one were to pay the full cost of the home using XRP, one would need about 192,000 XRP. This is calculated by dividing the home price of $420,000 by the XRP price at $2.19. This amount would cover a typical home purchase in an average market without a mortgage or loan.
How Much XRP for a Down Payment?
A 20% down payment on a median-priced home would require approximately 38,400 XRP at the current market rate. In high-value real estate markets such as San Francisco or New York City, where property prices often exceed $1 million, the total XRP required for a full purchase could cross 450,000.
These figures clearly show how the number of tokens required rise with the property’s value. Also, XRP’s price is highly volatile, so the number of tokens needed may shift over time. At the current price of $2.19, purchasing a median-priced home in the U.S. would take approximately 190,000 to 200,000 XRP.
A Larger Shift Globally
This shift is part of a larger trend. Japan’s Open House Group now accepts XRP for real estate purchases. Buyers can use XRP to purchase properties in cities like Tokyo and Osaka. The company, already supporting Bitcoin and Ethereum, recently expanded its crypto payment options to include XRP, SOL, and DOGE.
Dubai is also using XRP Ledger to Tokenize Real Estate. These moves reflect a growing global trend of using XRP for real-world payments.
Never Miss a Beat in the Crypto World!
Stay ahead with breaking news, expert analysis, and real-time updates on the latest trends in Bitcoin, altcoins, DeFi, NFTs, and more.
FAQs
It expands borrowing options by allowing crypto holdings to be counted as assets, potentially improving your financial position for lenders and making it easier to qualify for home loans without selling your crypto.
The main risk is XRP’s price volatility. A significant drop could trigger a “margin call,” requiring you to add more collateral or face potential liquidation of your XRP.
Yes, XRP’s volatility could impact long-term qualification. Lenders may require higher collateral ratios or impose conditions to mitigate risk from price swings, affecting loan terms or ongoing eligibility.
Yes 
No 
