- CZ’s bold claim: 0.1 BTC (14 million sats) will one day be worth more than a U.S. home, driven by supply limits and price appreciation.
- FHFA on board: Regulators are pressing Fannie Mae and Freddie Mac to treat crypto holdings as usable mortgage assets—on-exchange, verifiable, and with volatility taken into account.
- Homes cheaper in BTC terms: With median U.S. home prices now roughly 4 BTC (~$430K at ~ $107K/BTC), if Bitcoin climbs again, 0.1 BTC could eclipse that.
Changpeng Zhao—aka CZ of Binance—sparked fresh buzz this week on X, saying, “The future American Dream will be to own 0.1 BTC, which will be more than the value of a house in the U.S.” (x.com) He isn’t bragging; he’s pointing to supply math. There are only 21 million BTC ever, so that’s 210 million slices of 0.1 BTC—fewer than U.S. adults, let alone homebuyers. With Bitcoin at ~ $107,000, 0.1 BTC equals around $10,700 today. Not a house—yet. But if history repeats and BTC hits $1 million, that same 0.1 BTC sits at $100,000. Pair that with homes shrinking in BTC terms and we’re dreaming with spreadsheets, not just memes.
Federal Regulators Say “Crypto Counts”
This idea isn’t just hype. On June 25, FHFA Director William Pulte ordered Fannie Mae and Freddie Mac to “consider” crypto as part of a borrower’s reserves—without forcing conversion to fiat, so long as it’s on a U.S.-regulated exchange. That’s a real shift. Until now, banks practically required selling crypto to raise cash for down payments. This could let buyers hold their sats and borrow against them instead. Lenders will apply haircuts to account for volatility, but it’s still a leap toward integration. As Business Insider noted, this aligns with broader pro-crypto moves under the GENIUS Act and a push to make the U.S. a crypto capital.
Bitcoin Becomes Affordable Housing?
Consider this: homes are getting cheaper in Bitcoin terms. A national median-priced U.S. home now rings in at about 4 BTC (roughly $430K at $107K/BTC), down from over 30 BTC a decade back. That decline isn’t because houses lost value—it’s because BTC skyrocketed. If BTC gains regain half their past decade’s growth over the next 5–10 years, that 4 BTC price tag drops close to 0.1 BTC. Throw in new lending models that allow borrowing against sats, and owning that slice might actually buy you a home.
Redditors are skeptical, reminding us: “BTC would have to be in the ten million+ per coin range to offer any long-term security… I am not holding my breath.” Fair point. Even when Bitcoin hit $1 million, inflation, volatility, and local housing costs could push home prices higher too. It’s all in the ratios and policies that emerge.
Conclusion
It might sound wild today—that 0.1 BTC could someday buy your living room—but the pieces are shifting. CZ’s fiery forecast is finding echo in real-world policy moves, with the FHFA and mortgage giants warming to crypto as collateral. Housing prices, when denominated in Bitcoin, are already trending down. Will it happen in one cycle? Maybe not. But as Bitcoin matures and lending frameworks adapt, that tenth of a coin looks less like fantasy and more like a potential down payment. The time to ask “Will 0.1 BTC buy a house?” is fast becoming: it depends on when, not if.
