Abstract
Do women pay more than men for similar housing? We utilize repeat-sales housing transactions drawn from ZTRAX to examine if gender gaps exist in house purchase prices and loan to price ratios. Our analysis utilizes repeat-sales and include house and neighborhood-by-time fixed effects to control for unobserved differences in the quality of houses and their associated neighborhoods. We find that female homebuyers pay a 2% premium on average. In addition, female homebuyers’ loan to price ratio is 3 percentage points lower than that of male buyers. We also show that female buyers pay less when the seller is female than when the seller is male. However, the gender price differentials and loan-to-price differentials are disappearing in more recent years. Our estimates have implications for the levels and persistence of gender differences in homeownership and wealth accumulation.
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