🏡 The Housing Vibes Drop

😎 Market Vibes

Housing in 2025 is less "American Dream," more "house-flipping nightmare for median buyers." Prices, rates, and incomes aren't in sync - the rug under first-time buyers keeps getting pulled.

🧨 WTF Is This Market?

• 🏠 Mortgage Rates Dip: The 30‑year fixed mortgage rate has dropped to ~6.35%, its lowest in ~11 months.

• 🏗️ Housing Starts Stall Out: Single‑family housing starts slid 7% in August, and building permits fell ~2.2%. Inventory swelling while demand sags.

• 🚫 $300K Is Out of Reach for Most: Nearly 60% of U.S. households can't afford a $300,000 home. That covers a lot of people.

• 🔻 Builders Are Begging: Builders slashed prices on new homes… ~39% are offering price cuts, averaging ~5%.

• 📉 Prices Keep Sliding: Home prices have been declining for four months straight in the S&P CoreLogic Case‑Shiller index - longest streak since early 2023.

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😤 TRADE TALK: REAL ESTATE EDITION

The narrative that homeownership is just a "bit hard now but worth it later" is slipping into parody. Elevated rates + insane price‑to‑income multiples = chronic barrier. Unless policy or supply drastically shifts, the dream will remain a rich‑people script. First‑time buyers are being priced out, locked out, or both.

🧠 Big Brain Energy

Price‑to‑Income Ratio Over Time

• In 1985: ratio ~ 3.5× median income.

• In 2025: ratio ~ 5.0×. Median home ~$416,900; median income only ~$83,150.

When the thing you need more than food and water somehow costs five times your paycheck…

🧨The Outrage Meter

Even Fed Chair Powell admitted the cut won't move the housing needle much: "It'd have to be a pretty big change in rates to matter." So congrats - we finally got the cut, and it barely matters.

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🤔What Do You Think?

✌️ Thanks for vibing with us. That's the rundown for your housing market weekend special. If you're house‑hunting, strap in. If you're a renter, keep paying attention - you're part of the pressure cooker too.

⚠️ WARNING: Market data is subject to rapid change. Verify current information before making trading decisions.

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