Homeownership has long been promoted as the ultimate financial milestone and the cornerstone of the "American Dream." "If your goal is to become financially independent at a young age, you probably don't want to go buy a house," best-selling author JL Collins said recently on "The Diary of a CEO" podcast, as housing prices, interest rates, and everyday costs continue to rise. Collins, author of "The Simple Path To Wealth," said buying a home often ties up capital that could otherwise be invested. "You're ...

刚迈入2026年，不少人就发现身边的生活正在悄悄变化：买房的纠结选现房还是期房，买车的盯着价格战不敢下手，存钱的看着银行利率叹气。不出意外， 到了2026年下半年，房子、车子、存款这三件和普通人最息息相关的事，还会迎来更明显的改变。这些变化到底会影响我们的钱包和生活？该提前做好哪些 准备才能不吃亏？ 说，下半年买车选择多、价格划算，但也别只看价格，得关注车子的质量、口碑和保值率，要是有换车计划，上半年没下手的话，下半年可以抓紧，不然等 购置税优惠完全退坡，买车成本就真的上升了。 最后说说存款，2026年下半年大家可能要接受"存钱利息少"的常态了。过去两三年，银行存款利率一降再降，三年期定期存款利率从3%以上跌到了1字头， 10万块存三年，利息比以前少拿好几千。不过好消息是，下半年利率大幅下降的情况基本不会有了，会进入"低位徘徊"的状态。一方面是物价开始慢慢回 升，限制了利率下调的空间；另一方面，现在利率已经在历史低位，再降可能影响金融稳定。这意味着单靠存钱"躺赚"利息的时代彻底结束了，把钱全存在 银行，收益可能都跑不赢通胀。普通人可以多考虑多元化理财，比如买利率相对稳定的国债，或者风险较低的理财产品，也可以试 ...

There were 631,535 more home sellers than buyers in December, according to Redfin data, creating a staggering 47% gap. That's the widest margin recorded since Redfin began tracking it in 2013, and an increase of more than 22 percentage points from a year ago. More sellers in the market mean more options for buyers, as housing supply outpaces demand. However, the growing imbalance comes as housing remains unaffordable for many people, thanks in part to mortgage rates that hovered above 6% throughout 2025. Ke ...

Core Insights - The U.S. housing market is experiencing a significant imbalance, with sellers outnumbering buyers by a large margin, providing buyers with negotiating power, but not alleviating the affordability crisis [1][7] Market Dynamics - In December, there were approximately 47.1% more home sellers than buyers, marking the largest gap since 2013, and a 7.1% increase from the previous month, which is also the largest increase since September 2022, and a 22.2% increase year-over-year [2] - The number of homebuyers decreased by 5.9% month-over-month to an estimated 1.34 million, representing the largest drop since March 2023 and the lowest level recorded since 2013 [3] - The number of sellers in the market fell by 1.1% month-over-month to an estimated 1.97 million [4] Buyer Market Definition - Realtor.com defines a buyer's market as having over 10% more sellers than buyers, and it has been classified as such since May 2024, indicating stronger negotiating power for buyers [6] Affordability Issues - Despite the buyer's market conditions, high housing costs, layoffs, and political and economic uncertainties continue to deter many potential buyers, maintaining an imbalance in the market [7] Regional Insights - The strongest buyer markets in December included: 1. Austin, Texas: 128% more home sellers than buyers 2. Fort Lauderdale, Florida: 125% more home sellers 3. Nashville, Tennessee: 111% more home sellers 4. Miami, Florida: 103% more home sellers 5. San Antonio, Texas: 103% more home sellers [10]

D.R. Horton recorded a lower first-quarter profit as affordability concerns continued to put off home buyers, hurting sales and forcing the company to offer big incentives. ...

Core Insights - Irondequoit, New York, is identified as the most competitive housing market in the U.S., with homes selling in an average of 8.5 days for prices well above the asking price, typically around $250,000 [1] - The nationwide average for homes on the market exceeds two months, with a median selling price of just over $410,000 [2][3] - Redfin anticipates a "great housing reset" in 2026, indicating a prolonged recovery phase for the housing market [3] Market Dynamics - The Midwest and Great Lakes regions are gaining popularity due to their affordability and relative safety from climate-related events, attracting recent graduates seeking stable careers [4] - Homeowners with low mortgage rates from the pandemic are hesitant to sell, contributing to limited inventory and rising prices [3] - Areas in Florida and Texas, facing natural disaster risks and increasing insurance costs, are expected to struggle in the market, with sellers potentially having to sell at a loss [4]

The first half of the 2020s were not easy for prospective American homebuyers. The COVID-19 pandemic (along with the economic panic and supply-chain shortages that came with it), rising inflation and limited housing availability all conspired to destabilize the housing market. That could all change, though, as 2026 may finally be a good year for homebuyers. Why 2026 Might Be Good for the Housing Market As reported in Yahoo Finance, the inflation rate has slowed to 3% year over year, down from its extre ...

家人们，2026年开年就有个房产大V的言论炸了锅！说什么"房价跌了不用慌，家比房子值钱"，劝大家别再纠结投资回报，安心住着就行。这话听着暖心， 实则坑人不浅！要是真信了这套，未来几年你可能要为"买错房"付出一辈子都扛不起的代价。今天就用最直白的大白话扒透这事儿：2026年房价根本不会全 面崩盘，反而会越分越清楚——有的房子是金疙瘩，有的房子就是烫手山芋。买对买错，直接决定你家未来十年的财富命运！ 一、别被"家比房子值钱"忽悠了！房子贬值的代价你扛不起 那个大V把"住得安心"包装成佛系财富观，仿佛只要家人在，房子贬多少都无所谓。但普通人过日子，哪能这么云淡风轻？一套房子背后，是爸妈一辈子的 养老钱、你夫妻俩的血汗钱，甚至还背着二三十年的房贷。要是房子天天贬值，就像家里的钱袋子破了个大洞，每天都在往外漏钱，你能睡得踏实？ 就说我身边一个朋友，三年前在老家小县城买了套大三居，当时想着以后回去养老。结果2026年想卖掉换去省会给孩子凑学区房首付，房子挂在中介一年 多，问都没人问。中介告诉他，现在小县城的二手房库存堆成山，光他们门店就压着上百套待售房源，想成交只能大幅降价，至少要亏二三十万。这可不是 小数目，相当于夫妻 ...

Core Insights - Homeowners are experiencing a mortgage "lock-in effect," leading to reduced mobility and inventory growth in the housing market, particularly in expensive coastal areas [1] - The typical U.S. mortgage holder faces a significant increase in monthly payments if they were to purchase a home today, with a 73% rise translating to an additional $1,000 [2] - A substantial portion of existing mortgages, 80.3%, have interest rates below 6%, with 32.1% locked in at rates between 3% and 4% [2] Group 1: Housing Market Dynamics - San Jose, California, is identified as the most "locked-in" major metro, where homebuyers need an annual income of $408,557 to afford typical home prices, the highest in the nation [3] - In San Jose, sellers can expect their monthly mortgage payments to increase by approximately 180%, from $2,604 to $7,281 when moving to a comparable home [4] - Los Angeles ranks closely behind San Jose, with typical sellers facing a 176% increase in mortgage payments, from $2,096 to $5,792 [4] Group 2: Regional Insights - In Portland, Maine, the gap between existing and new mortgage payments is over 154%, with new payments averaging $3,305, up from $1,297 [6] - The median home price in Portland has risen to $550,000, up from about $325,000 in 2019, driven by demand and limited supply [6] - Buyers in high-rate markets like Portland may need to adjust their expectations or consider different property types due to affordability pressures [7]

Core Insights - The real estate market's future value will largely depend on the city of purchase and the quality of property amenities, rather than overall market trends [1][2][4] Group 1: Predictions for Core Cities - Properties in major cities like Beijing, Shanghai, Guangzhou, Shenzhen, and other key urban areas are expected to maintain value, with a projected increase to approximately 1.15 to 1.25 million by 2030 from a current value of 1 million [1][2] - The anticipated growth is modest, reflecting a shift in market dynamics where properties are expected to outpace inflation but not achieve previous high returns [1] Group 2: Risks in Lower-Tier Cities - Properties in third and fourth-tier cities, or suburban areas of major cities, are likely to depreciate, with values potentially dropping to 0.75 to 0.85 million by 2030 [2] - These areas face significant inventory pressure and lack the necessary industrial support to attract population inflow, leading to a downward trend in property values [2][5] Group 3: Changes in Educational Property Value - The value of properties linked to educational districts is expected to weaken as educational resources become more balanced, particularly affecting "pseudo school district properties" in lower-tier cities [4] Group 4: Underlying Factors for Market Divergence - The slowdown in urbanization and concentrated population movement towards core cities will impact property values in less populated areas [5] - Policy direction is clear, with a dual-track system aimed at providing housing support, which will divert demand away from third and fourth-tier cities [5] - Changing consumer preferences emphasize comfort and convenience, leading to the market's rejection of properties lacking essential amenities [6] Group 5: Recommendations - For first-time homebuyers, it is advisable to consider small units in core cities with complete amenities for better long-term stability [8] - Investment in third and fourth-tier cities is discouraged, as properties in core cities are now viewed primarily as value-preserving assets rather than opportunities for significant wealth accumulation [8]