4 Questions Shaping US Housing Affordability | Who you work with Matters! Let us show you why.

As someone deeply involved in both homebuying education and community advocacy, I pay close attention to the questions shaping US housing affordability. Lately, we’ve seen signs of housing disinflation—buyers and sellers are not always on the same page, and sellers are offering more concessions to help families move toward homeownership. Yet, borrowing costs are still the main obstacle: benchmark Treasury yields remain close to 5%, and the average 30-year mortgage rate has crept into the low 7% range. For the four weeks ending September 13, the typical monthly mortgage payment climbed to about $2,600—a 3% increase from last year—highlighting how financing continues to stretch buyers’ budgets. The resale market is still tight, with many owners holding onto low-rate loans and listings remaining scarce. Sellers, meanwhile, are often hoping for pandemic-era prices. Industry experts suggest this is a market correction toward stability—not a crash—thanks to strong homeowner equity, responsible lending, and opportunities for both buyers and sellers. As a managing broker and Military Residential Specialist, I see firsthand how these trends impact real people, especially veterans and their families. My goal is to ensure you have the information and support you need to make the best decision for your future.