If you’re a single woman thinking about buying a home, here’s something worth knowing: you’re not an outlier. You’re one of the biggest forces in today’s housing market.
According to the National Association of REALTORS®, single women made up about a quarter of all home buyers between July 2024 and June 2025 — more than double the share of single men (11%). Only married couples buy more homes. Women are saving harder, earning more, and deciding they don’t need to wait for a partner, a wedding, or “the right time” to start building wealth through homeownership.
I know this firsthand, because I did it myself.
My Story: Buying My Home as a Single Businesswoman
Before I ever helped a client buy a home, I bought my own as a single woman running my own business. I remember the questions that kept me up at night: Can I really afford this on one income? What if something breaks and there’s no one to call? Will a lender take me seriously as a self-employed buyer?
What I learned is that every one of those fears has a practical answer, and that buying on your own terms is one of the most empowering decisions you can make. Today, as a REALTOR® with Keller Williams North Atlanta and co-founder of The Legacy Team, I get to walk other women through that same journey. Here’s the roadmap I share with every single woman I work with.
Step 1: Know Your Numbers on One Income
Buying solo means your budget rests on one paycheck, so be honest and conservative with your numbers.
- Look at the full monthly payment, not just the price. Principal, interest, property taxes, homeowners insurance, mortgage insurance, and any HOA dues all count.
- Keep a cushion. Plan for an emergency fund after closing, ideally several months of expenses, so a surprise repair or a slow month at work doesn’t become a crisis.
- Budget for upkeep. A common rule of thumb is setting aside 1% to 2% of the home’s value each year for maintenance.
- Self-employed? Lenders will usually want two years of tax returns. Talk to a lender early so you know exactly how your income will be counted.
The goal isn’t the biggest house you can qualify for. It’s a home you can comfortably afford while still living your life.
Step 2: Get Pre-Approved and Explore Georgia Assistance Programs
A pre-approval tells you your real price range and shows sellers you’re a serious buyer. It’s also the moment to ask your lender about down payment help, because Georgia has some excellent options for first-time buyers:
- Georgia Dream Homeownership Program: Offers up to $10,000 toward down payment and closing costs (or $12,500 for educators, healthcare workers, first responders, military, and households with a member who has a disability). It’s structured as a 0% deferred second mortgage with no monthly payment, repaid when you sell or refinance. Income and credit requirements apply.
- Peach Advantage: A Georgia Dream option offering down payment assistance of 2% to 5%.
- Local programs: Some cities and counties offer their own help, such as ATL HomeNow in the City of Atlanta and Cobb County’s My Home program, and some can be combined with Georgia Dream.
Program limits and funding change regularly, and you apply through a participating lender, so confirm current details with a lender before you count on them. I’m happy to connect you with lenders I trust who know these programs well.
Step 3: Choose a Home That Fits Your Life
When it’s just you, the “right” home often looks different than it does for a couple or a family. Ask yourself:
- How much maintenance do I want to handle? A townhome or condo with exterior maintenance included can free up your weekends. A single-family home gives you more space and privacy but more upkeep.
- How do I feel about the neighborhood? Visit at different times of day, drive the route home at night, and notice lighting, foot traffic, and how neighbors keep their homes.
- What does my commute and daily life look like? Proximity to work, the gym, friends, and family matters more than an extra bedroom you’ll rarely use.
- Could this home work for my future? Think about resale value, whether a spare room could become an office or rental income, and how your needs might change in five to ten years.
Step 4: Build a Team You Trust
Buying alone doesn’t mean doing it alone. Surround yourself with professionals who have your back:
- A buyer’s agent who listens, explains every step, and negotiates hard for you.
- A lender who is responsive and clear about your options.
- A thorough home inspector, because you want to know exactly what you’re taking on.
- A closing attorney, since Georgia home purchases close with an attorney.
- Reliable contractors and handymen you can call after move-in. I keep a list of trusted local pros for my clients.
Step 5: Protect Your Home and Your Peace of Mind
Once you get the keys, a few simple steps go a long way:
- Rekey or replace the locks right away.
- Consider a video doorbell, outdoor lighting, and a basic security system.
- Introduce yourself to your neighbors; they’re your first line of support.
- Keep important documents, warranties, and contractor contacts organized in one place.
Myths That Hold Single Women Back
“I should wait until I’m married.” Your life is happening now, and every year of rent is a year of equity you could have been building for yourself.
“I can’t afford it on one income.” Many women can, especially with careful budgeting and down payment assistance. The only way to know is to run your real numbers.
“I don’t know enough about houses.” You don’t need to. That’s what your agent, inspector, and lender are for, and asking questions is part of the process.
Ready to Take the First Step?
Buying your first home on your own is a big decision, and you deserve a guide who understands it from the inside. Whether you’re just starting to think about it or you’re ready to tour homes this weekend, I’d love to help you map out a plan that fits your budget and your life.
Britney Javens, REALTOR® · Keller Williams North Atlanta · The Legacy Team Call or text: (678) 780-8238 · Email: britneyj@kw.com
Program details and market statistics are accurate as of October 2026 and may change. Please consult a participating lender for current eligibility and terms.