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Housing affordability is on the decline the required monthly mortgage payment to purchase a median-priced existing-home has more than doubled from January 2020 to June 2023.
Mortgage

Housing Affordability Challenges Homeownership as Mortgage Interest Rates and Home Prices Rise

Housing affordability is on the decline. The required monthly mortgage payment (principal & interest) to purchase a median-priced existing-home has more than doubled from January 2020 to June 2023.
This is a consequence of a 330+ bps increase in mortgage interest rates and a 50%+ increase in the median price of an existing for-sale home over that period.

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proprietaryreasoning August 17, 2023
Heatmap of S&P Case-Schiller U.S. National Home Price Index, Year-over-Year and Month-over-Month Price Monthly Appreciation
Residential Real Estate

S&P Case-Shiller U.S. National Home Price Index, Updated for March 2023

U.S. home prices rose for the second consecutive month in March, as home buyers returned to the market amid tight housing inventory, according to S&P CoreLogic Case-Shiller data. Yet, despite the modest recovery, home sales remain sluggish as homeowners are reluctant to relinquish lower rates. High borrowing costs also continue to pose challenges for potential buyers.

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proprietaryreasoning May 30, 2023
Heatmap of S&P Case-Schiller U.S. National Home Price Index, Year-over-Year Price Monthly Appreciation
Residential Real Estate

S&P Case-Shiller U.S. National Home Price Index

Heatmap of U.S. national monthly home price appreciation based on the seasonally adjusted S&P Case-Shiller U.S. National Home Price Index. The S&P Case-Schiller U.S. National Home Price Index is a composite of single-family home price indices for the nine U.S. Census divisions and is calculated monthly, and seeks to measure changes in the total value of all existing single-family housing stock.

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proprietaryreasoning April 11, 2023

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