Per the National Association of Realtors' monthly existing-home-sales report, roughly a third of buyers are first-timers, around a fifth are investors, and the rest are move-up, second-home, and relocating buyers. Treat those as ballpark shares that drift over time, and check the current report for exact figures. The mix tends to be fairly stable month to month. One thing worth knowing about the first-time group: first-time does not mean young. Plenty of people buy their first home in their 40s or 50s. And most buyers move because life pushes them, whether a growing family that needs space, a job relocation, a divorce, a death in the family, or downsizing. One couple we followed bought young, later had a kid and a dog, and moved up simply because they ran out of room, rates or not. On student loans, the practical effect shows up in qualifying rather than in the demographic shares. Student loan payments count in your debt-to-income ratio, and how a lender treats a deferred, forgiven, or income-driven payment varies by program and can change how much house you qualify for. That part is file-specific and worth walking through in the free Roadmap conversation, where we run your real numbers.