{"id":10036,"date":"2026-10-07T13:00:00","date_gmt":"2026-10-07T20:00:00","guid":{"rendered":"https:\/\/lisamillerpllc.com\/staging\/?p=10036"},"modified":"2026-10-07T13:00:00","modified_gmt":"2026-10-07T20:00:00","slug":"4-questions-shaping-us-housing-affordability","status":"publish","type":"post","link":"https:\/\/lisamillerpllc.com\/staging\/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\"\n                src=\"https:\/\/www.roomvu.com\/agent\/embed\/lisa-miller-2\/america-housing-deflation-remotion-videos-70e4\"\n                frameborder=\"0\"\n                allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\"\n                allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>Housing affordability is on everyone\u2019s mind these days, and the landscape is shifting in ways that matter for everyday investors and homeowners. We\u2019re seeing clear signals of housing disinflation\u2014buyers and sellers are often out of sync, and sellers are increasingly offering concessions. For those determined to own a home, that can mean real opportunities for savings.<\/p>\n<p>However, the main challenge right now is still borrowing costs. With benchmark Treasury yields hovering near 5% and the average 30-year mortgage rate creeping above the low-7% range, affordability remains stretched. Just in the four weeks ending September 13, the median monthly mortgage payment reached about $2,600, up 3% year-over-year. That\u2019s a direct impact of elevated financing costs.<\/p>\n<p>The resale market is tight, as many homeowners are hanging onto their low-rate mortgages, making listings scarce. At the same time, sellers are still hoping for those pandemic-era prices. Industry experts describe this phase as a correction toward stability rather than a crash\u2014underpinned by solid equity positions, sound lending practices, and real chances for both buyers and sellers.<\/p>\n<p>As someone who guides clients through these shifts with a focus on knowledge and long-term wealth-building, I see this environment as challenging but full of potential. It\u2019s all about understanding the factors at play so you can make informed, strategic decisions for your financial future.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Housing affordability is on everyone\u2019s mind these days, and the landscape is shifting in ways that matter for everyday investors and homeowners. We\u2019re seeing clear signals of housing disinflation\u2014buyers and sellers are often out of sync, and sellers are increasingly offering concessions. For those determined to own a home, that can mean real opportunities for [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":10037,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","content-type":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[152],"tags":[],"class_list":["post-10036","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-editors-pick"],"jetpack_publicize_connections":[],"jetpack_shortlink":"https:\/\/wp.me\/paOTA9-2BS","jetpack-related-posts":[{"id":8794,"url":"https:\/\/lisamillerpllc.com\/staging\/phoenix-homeownership-becomes-easier-in-2025\/","url_meta":{"origin":10036,"position":0},"title":"Phoenix Homeownership Becomes Easier in 2025","author":"admin","date":"September 24, 2025","format":false,"excerpt":"Phoenix affordability improved as buyer-required income declined in 2025. Affordability gains followed housing price reductions and inventory increases. Market shifted into buyer\u2019s territory over eight months. Sellers now offer concessions up to $15,000 for buyers. Phoenix\u2019s affordability outlook remains cautiously positive.","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2025\/09\/phoenix-homeownership-easier_share.jpg?fit=496%2C279&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":9305,"url":"https:\/\/lisamillerpllc.com\/staging\/heres-where-phoenix-ranks-among-most-buyer-friendly-housing-markets-of-2026\/","url_meta":{"origin":10036,"position":1},"title":"Here&#8217;s where Phoenix ranks among most buyer-friendly housing markets of 2026","author":"admin","date":"March 6, 2026","format":false,"excerpt":"Phoenix ranks among the most buyer-friendly housing markets of 2026, offering cooling home prices, forecasted appreciation, and less competition. Buyers benefit from more affordable homes and negotiation room, reducing bidding war stress. Top markets are mainly in the Midwest and Sun Belt, where affordability and new construction ease competition. Buyers\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":9348,"url":"https:\/\/lisamillerpllc.com\/staging\/5-key-housing-market-trends-to-watch-in-2026\/","url_meta":{"origin":10036,"position":2},"title":"5 Key Housing Market Trends to Watch in 2026","author":"admin","date":"March 16, 2026","format":false,"excerpt":"Home Values Will Rise Modestly \u2013 National home values are expected to increase ~1.2%, signaling a stable market for buyers and sellers. Existing Home Sales Will Climb \u2013 Sales of existing homes are projected to grow ~4.3%, improving inventory and choice for buyers. Mortgage Rates Remain Above 6% \u2013 Rates\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/03\/5-key-predictions_share.jpg?fit=496%2C279&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":9489,"url":"https:\/\/lisamillerpllc.com\/staging\/heres-where-phoenix-ranks-among-best-housing-markets-for-first-time-buyers\/","url_meta":{"origin":10036,"position":3},"title":"Here&#8217;s where Phoenix ranks among best housing markets for first-time buyers","author":"admin","date":"April 25, 2026","format":false,"excerpt":"Jacksonville, Birmingham, San Antonio, Atlanta, and Houston rank as the top U.S. markets for first-time homebuyers in 2026 due to better affordability, more inventory, and less competition. While mortgage rates and limited inventory remain challenges, rising incomes and stabilizing prices improve opportunities. Southern and Midwestern markets offer more affordable options,\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/04\/1-20.jpg?fit=1080%2C1080&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/04\/1-20.jpg?fit=1080%2C1080&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/04\/1-20.jpg?fit=1080%2C1080&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/04\/1-20.jpg?fit=1080%2C1080&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/04\/1-20.jpg?fit=1080%2C1080&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":9762,"url":"https:\/\/lisamillerpllc.com\/staging\/housing-market-normalizes-in-h1-2026\/","url_meta":{"origin":10036,"position":4},"title":"Housing Market Normalizes in H1 2026","author":"admin","date":"July 9, 2026","format":false,"excerpt":"H1 2026 showed normalization, not a boom or bust, as higher rates, improving choice, and resilient demand created a more balanced market. 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