According to Bank of Scotland’s How Scotland Lives report, more than a quarter of people (26%) believe it is normal to never be able to buy a house.
The bank’s research found that 26% of non-homeowners in Scotland think they will eventually be able to buy a home without the need for any financial assistance other than a mortgage.
It found more optimism among younger generations, with 45% of 18 to 24-year-olds and 38% of 25 to 34-year-olds believing they will be able to buy their own home.
Only 4% of those aged 50 and over felt the same.
Less than one in 10 (8%) of people feel they will need some financial assistance from family members in order to buy a home.
12% of 18 to 24-year-olds and 10% of 25 to 34-year-olds expect to borrow from relatives.
Those living in and around Aberdeen (40%) are most confident about buying their own home independently, closely followed by Glasgow (35%).
Fife residents are most pessimistic about home ownership, with over a third (37%) believing they will never be able to own their own home and thinking this is normal now.
Dundee (35%), Mid Scotland, Highlands & Islands and Central (all 31%) are of the same opinion.
A fifth (20%) of non-homeowners living in South Scotland are concerned that they will never be able to buy their own home, closely followed by Fife (18%) and Glasgow (17%).
Nicola Noble, mortgage director at Bank of Scotland, said: “It’s concerning that two fifths of Scots don’t feel they will ever be able to buy their own home, with a quarter of those thinking that this is a normal thing in this day and age.
“However, on a more positive note it’s reassuring that a quarter of Scots feel financially stable enough to be able to eventually buy a home without the need for financial help other than a mortgage.
“It’s possible schemes such as Help to Buy and the Help to Buy: ISA are making the younger generations more optimistic about being able to afford a home one day.”