AndrewTheInvestor
Region: US
Wednesday 21 October 2026 19:35:08 GMT
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Jeff Ryder :
We clearly have a home price issue. Interest rates are relatively normal. My first home in 1992 was a 7% ARM, but my brand new three bed/two bath was $104,000. Prices need to come down by 25%.
2026-10-22 13:56:16
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Drew_P_Bawls :
Keep the mortgage rates astronomically high and no one can afford it
2026-10-22 00:59:46
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Mike :
I could lose 30% in my equity. It isn't that relevant other than disputing my property taxes in May. I'll never give up my 2.75% rate, ever.
2026-10-21 19:54:02
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JT East :
The low rates of 2020 to 2023 has absolutely destroyed the American Dream of homeownership for so many people. House prices jacked up by insanely low interest rates. We are going to have South American levels of wealth disparity in the coming decades. It's going to get worse even if we triple the amount of housing being built now.
2026-10-21 23:20:35
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Mary :
I understand what you’re saying but the longer the housing market stays in a coma something will have to give and hopefully home prices will readjust to reasonable prices I will take that $100,000 hit if it means the younger generation can actually afford to buy homes
2026-10-22 11:15:35
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SaintChunk :
I think this is gonna be worse than 08
2026-10-22 02:05:13
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C eric :
Even there is not a bubble, what you said points to a long time downtrend.
2026-10-21 22:14:59
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user193543096624 :
Yeah there’s like no inventory. This zip has like 30 homes total on the market for 100k population. It’s just driving prices to the moon regardless of the interest rate.
2026-10-21 22:29:24
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Joshua Martin :
our rates are set to increase for the next 20 years. infact rates today just went up to near 8% compared to the covid low of 2.75% and the fed has already stated that it will increase again. and based off the simple financial rule that for every 1% of intrest rates it's a 10% adjustment of buying power meaning that since covid the buying power of every consumer had lowered 5%. or a reduction of 50% in buying power. and if every consumer buying power is cut in half your home his now worth half and set to reduce even more later. that's the market . and if you think you can wait remember that by 2030 boomers are set to die off by 300k a month. boomers own over half the market. and starting January 2027 large corporations are block from owning more then 300 home total in its entire corporate umbrella. no more relying on invester deep pockets to pick up these houses. that's 300k of new homes hitting the market each month every month for the next 12 years. welcome to the US version of the 1990 Japanese property collapse.
2026-10-22 03:09:23
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Kuettela :
A financial "rupture" will have to happen where sellers will have to liquidate to cover debts or reduce costs.
2026-10-22 07:34:30
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caticorn :
The only difference with 2008 is that we aren’t in a recession to force everyone to sell. Housing doesn’t have to originate a recession.
2026-10-22 02:33:02
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diesel.x67 :
Yeah, but everybody’s losing their jobs to AI. How are they gonna make those house payments at 2.5% that’s why there’s so many on the market.
2026-10-22 02:29:23
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Andi V :
I pay $1200/month for my ranch with taxes escrowed in and that’s about all I can afford. I think my interest rate is 4%. (My house will be paid off in about 5 years.) I honestly cannot afford to move anywhere. Even if I were to pay it off I wouldn’t have enough cash to pay for a comparable place — it seems like I should but I need to do repairs on this place and comparable homes in even a slightly better neighborhood are ridiculously higher than even my house would sell for, which is about twice what I bought it for in 2008. I’m shocked by this math.
2026-10-22 11:38:49
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Champloo :
It’s crazy I’m happy I got a 6.1% rate. Had to bite the bullet and go for it form a 3.25 rate
2026-10-21 20:01:25
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Jason :
If wages don’t go up and housing prices stay fairly the same then you basically need interest rates to be at 0-3%
2026-10-21 20:01:08
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Rachel Smith :
Same with the job market
2026-10-21 19:46:45
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Bouncer :
There is also a good amount of corporations that own these homes, they’re not losing their job
2026-10-22 02:36:03
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Nika D VP :
refuse to pay*
2026-10-22 08:36:18
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The Bacon :
People keep expecting pre-2020 prices to happen with a bubble burst. It just isn't going to happen.
2026-10-22 10:13:25
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Meg :
The ibly thing that will maybe cause people to leave their homes is taxes and insurance costs. Otherwise people aren’t leaving
2026-10-22 23:45:52
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austin🫧 :
lots of homes aren't making it on MLS, they are manipulating the market
2026-10-22 01:53:01
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jules ❌ :
Mortgage free in a modest 3/2.5, I’m not going anywhere.
2026-10-21 20:54:00
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SilverFreckles :
Supply will rise as the layoffs continue.
2026-10-22 10:59:42
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Laz3rLlama :
I keep telling everyone to get ahold of the USDA department. government agency, they just got me into a home at a 5.2 vs a 7.4 and they help subsidize my mortage to keep it affordable. you have to qualify and it goes off of income (I make 72,000 single) but thats how I got into my house for a decent rate and mortage. I specifically had a usda direct loan no down payment closing costs figured into the financing. look into it yall
2026-10-22 11:04:16
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Adrian D tuesta :
:I mean if we have a major recession and people start losing to jobs and desperate sellers have to sell then that would have an effect on home prices.Or if interest rates keep going up what if they went up to 9 to 10 percent your house is worth whatever somebody is willingly to pay for it.The problem is the price not the rate if there was a house that was worth 500k and if in current 7.5 rate you can't afford what happens if the next day the rates just magically dropped to 1 percent while now in a 1 percent rate you can afford but so can everybody else so people will just bid the prices up.The prices are inflated becuase rates were low for soo long.Sellers don't want to sell cause they can't afford the higher rates and prices and buyers think pirces rates too high but if we have major recession job loss it could force things.If you lose your job doesn't matter if your rate is 3 percent.
2026-10-21 21:11:36
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