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Homeowners can't move from their cheap loans. New buyers face huge payment shock. This 'lock-in' keeps prices high even though sales are low. This article explains how high rates and low supply are changing who can buy a home—and what it means for everyone's wallet in 2026.
U.S. home prices are cooling, not collapsing: Case-Shiller data show modest gains nationally, but high-value metro markets are feeling the pinch from rising mortgage rates and inflation. Regional divides are widening, creating negotiating opportunities for buyers while highlighting ongoing affordability challenges.
The U.S. housing market is at a pivotal moment. Rising home prices, elevated mortgage rates, constrained supply, and shifting demographics have combined to create a challenging environment, particularly for first-time buyers and younger generations. To understand the full picture, it is essential to examine current affordability metrics, regional dynamics, historical context, generational impacts, economic fundamentals, and policy implications.
Homeowners can't move from their cheap loans. New buyers face huge payment shock. This 'lock-in' keeps prices high even though sales are low. This article explains how high rates and low supply are changing who can buy a home—and what it means for everyone's wallet in 2026.
U.S. home prices are moderating in late 2025, with mid-tier markets holding steady while high-cost Sun Belt and Pacific metros soften. Elevated mortgage rates, rising inflation, and tight supply are driving slower growth and subdued transaction activity, creating both stability and selective opportunities for buyers in cooling regions.
The Fannie Mae Home Purchase Sentiment Index (HPSI) held steady at 71.4 in September 2025, reflecting muted consumer confidence despite a slight dip in mortgage rates. Concerns about affordability, job security, and income growth continue to weigh on buyer sentiment, while selling conditions remain flat. This report analyzes the latest HPSI data, broader economic trends, and their implications for the housing market and key stakeholders.