{"id":63,"date":"2026-10-07T17:00:00","date_gmt":"2026-10-07T17:00:00","guid":{"rendered":"https:\/\/www.tamikammarks.realtor\/blog\/?p=63"},"modified":"2026-10-07T17:00:00","modified_gmt":"2026-10-07T17:00:00","slug":"4-questions-shaping-us-housing-affordability","status":"publish","type":"post","link":"https:\/\/www.tamikammarks.realtor\/blog\/2026\/10\/07\/4-questions-shaping-us-housing-affordability\/","title":{"rendered":"4 Questions Shaping US Housing Affordability"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\" src=\"https:\/\/www.roomvu.com\/agent\/embed\/tamika-marks\/america-housing-deflation-remotion-videos-70e4\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>Housing affordability is on everyone\u2019s mind lately, and I\u2019m watching the landscape shift in real time. We\u2019re seeing more sellers offer concessions, which can give buyers a bit of breathing room\u2014even as borrowing costs remain the major hurdle. With Treasury yields holding near 5% and average 30-year mortgage rates now topping the low 7% range, those financing costs are stretching budgets thin. In the four weeks ending September 13, the median monthly mortgage payment rose to about $2,600\u2014up around 3% from last year\u2014making it clear just how much rates impact affordability. The resale market is especially tight, as many homeowners with low-rate loans are choosing to stay put, keeping listings limited. At the same time, sellers are often still aiming for those pandemic-era prices. What I\u2019m hearing from industry peers matches my own experience: this is a correction toward greater stability, not a crash. Strong equity positions, solid lending practices, and creative opportunities remain for both buyers and sellers\u2014whether you\u2019re navigating REO properties, traditional homes, or something in between.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Housing affordability is on everyone\u2019s mind lately, and I\u2019m watching the landscape shift in real time. We\u2019re seeing more sellers offer concessions, which can give buyers a bit of breathing room\u2014even as borrowing costs remain the major hurdle. With Treasury yields holding near 5% and average 30-year mortgage rates now topping the low 7% range, [&hellip;]<\/p>\n","protected":false},"author":396,"featured_media":64,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-63","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.tamikammarks.realtor\/blog\/wp-json\/wp\/v2\/posts\/63","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.tamikammarks.realtor\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.tamikammarks.realtor\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.tamikammarks.realtor\/blog\/wp-json\/wp\/v2\/users\/396"}],"replies":[{"embeddable":true,"href":"https:\/\/www.tamikammarks.realtor\/blog\/wp-json\/wp\/v2\/comments?post=63"}],"version-history":[{"count":1,"href":"https:\/\/www.tamikammarks.realtor\/blog\/wp-json\/wp\/v2\/posts\/63\/revisions"}],"predecessor-version":[{"id":65,"href":"https:\/\/www.tamikammarks.realtor\/blog\/wp-json\/wp\/v2\/posts\/63\/revisions\/65"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.tamikammarks.realtor\/blog\/wp-json\/wp\/v2\/media\/64"}],"wp:attachment":[{"href":"https:\/\/www.tamikammarks.realtor\/blog\/wp-json\/wp\/v2\/media?parent=63"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.tamikammarks.realtor\/blog\/wp-json\/wp\/v2\/categories?post=63"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.tamikammarks.realtor\/blog\/wp-json\/wp\/v2\/tags?post=63"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}