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  • A recent report for the real estate company Redfin shows most Americans can't afford 85% of the homes that are currently for sale here in the US.

    >>> 最近のレポート不動産会社、レッドフィン、 大半のアメリカ人はそれができない 85%の住宅が購入可能である。

  • That is an increase of over 5% from 2022.


  • The company defined the average household median around $70,000 each year.


  • And joining me now with more on this report is Chen Zhao.

  • She is the head of the economic research for Redfin.


  • Thanks so much for being with us.

    同社は平均を世帯中央値は約7万ドル 毎年。 について詳しくお伝えします。 本レポートは redfinの経済調査、 チェン・ザオ 一緒にいてくれてありがとう。

  • Hi. Thanks for having me on.


  • So I want to start with asking what this report shows as factors that are driving this gap in affordability with the current real estate market the way that it is.


  • Yes, absolutely. So what we're finding is that about only about 16% of the homes that were available for sale in 2023 were affordable for the typical household and that's down from 21% in 2022.


  • But importantly, if you look before 2022, that fraction was around 40% or even higher. - Wow.


  • And what happened these last two years is that one: mortgage rates increased a lot.

    >> もちろんだ。

  • So they increased from around 3% to a peak of about 8% in October and this was happening as the Fed was, you know, hiking interest rates to combat inflation.

  • And then the second factor is that home prices increased a lot during the pandemic around 40% or so,


  • and they actually stayed high even as mortgage rates were increasing a lot, which was unexpected.

  • And the reason for that was because there were so few homes for sale so prices stayed really high.

  • So Chen, we're expecting rates to drop next year, is that going to be a good sign for the market?


  • Oh, yes, absolutely. So we do think that 2023 will probably be the bottom for affordability, and we do see affordability improving in 2024 for two reasons.


  • One is that, as you said, mortgage rates are likely to ease a little bit.


  • The FED has made it really clear that they're pivoting from rate heights to rate cuts now.


  • So we do think that mortgage rates will come down a little bit in 2024 not a time, not down to the pandemic era rates, but a little bit and that'll help.


  • And we also think that home prices will come down a little bit, maybe 1% in 2024.


  • And that's because we think that, you know, existing homeowners will be increasingly listing their homes for sale.


  • So supply will come up a little bit in 2024, and that should help to bring down home prices just a little bit.


  • So if you're expecting home prices to go down, does that mean it's better to sell right away, if that's what you're hoping to do?


  • I think that if you are a seller, this is actually a pretty good time to list your home for a couple of reasons.


  • One, you know, prices might be coming down a little bit nationally, but, you know, I'm talking about a national average and, you know, the real estate market is very much local so, you know, conditions may differ a little bit, depending on where you are.


  • But secondly, there's not a lot of homes on the market right now, so if you are putting your home on the market, this is a good opportunity to be, you know, to not face a lot of competition.


  • Makes a lot of sense. Chen Zhao, thanks so much for your time. We appreciate this.


  • Thanks for having me on.

    インフレ対策と第二の要因は住宅価格 40%かそれ以上 パンデミックの間はそうだった。 にもかかわらず、高止まりした。 住宅ローン金利の引き上げ それは予想外だった。 その理由は のための家はほとんどなかった。 セール、サプライズは本当に残った 高い。 >> 従って、我々は金利を期待している。 チェン、来年は落ちるよ。 それは市場にとって良いことなのか? >> そうだ。 2023年はおそらくこうなるだろう 手頃な価格で最下位。 手頃な価格もある 2024年には改善する 理由は2つある。 ひとつは、あなたが言ったとおりだ、 住宅ローン金利は今後 少し楽になる。 FRBは次のように明言している。 は利上げに軸足を移している。 今すぐ金利引き下げを。 そのため、住宅ローン金利は上昇すると思われる。 2024年には少し下がる。 パンデミックとは無縁 しかし、少しだ。 そして、それがあなたや私たちの助けになる また、彼の価格も上がるだろう で1%ほど減少した。 2024年である。 既存の住宅所有者は を掲載することが増えている。 そのため、供給は増えるだろう。 2024年の後半にその可能性が出てきた。 家庭を崩壊させる 少し値上げ。 >> 帰宅予定がある場合 物価が下がれば、その方がいいのか? すぐに売りたいですか? もしそうしたいなら? >> もしあなたが売り手なら これはかなりいいことだ、 価格は少し下がるかもしれない 全国的にはちょっとね。 全国的な 平均的で、不動産は 非常にローカルな条件 あなたがどこにいるかによるかもしれない。 にはあまり家がない。 今の市場では、これは に直面しない良い機会だ。 ロット

A recent report for the real estate company Redfin shows most Americans can't afford 85% of the homes that are currently for sale here in the US.

>>> 最近のレポート不動産会社、レッドフィン、 大半のアメリカ人はそれができない 85%の住宅が購入可能である。

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