Investors and everyday Americans are experiencing a housing market transformation without a sudden collapse. High home prices and rising mortgage rates have made homeownership inaccessible, resulting in frozen supply and increasing rents. Homeowners are reluctant to sell due to low mortgage rates, and builders are reducing new constructions. The affordability crisis is exacerbated by stagnant wages and doubled median home payments, creating barriers to the traditional path to middle-class stability based on homeownership. This situation indicates a structural shift in the housing economy.
The median home prices are at or near all-time highs in many regions, even as mortgage rates climb above 7%. Affordability has collapsed.
Monthly rents are skyrocketing, especially in growing metro areas. Without savings or equity, renters are locked out of both ownership and wealth-building.
For decades, the path to middle-class stability was built around one foundational asset: homeownership. That model is now out of reach for millions.
This isn't a temporary hiccup-it's a structural shift. The system isn't broken. It's rigged.
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