10/12/2026
4 Questions Shaping US Housing Affordability
Let’s talk about what’s really shaping housing affordability right now—no fluff, just the straight story. We’re seeing some housing disinflation, but buyers and sellers are often on different pages. Sellers are starting to offer more concessions, which can mean real savings for anyone determined to own a home. Still, borrowing costs are the biggest hurdle: with benchmark Treasury yields near 5% and the average 30-year mortgage rate above the low-7% range, it’s no wonder that, in the four weeks ending September 13, the median mortgage payment climbed to about $2,600 per month—a 3% jump from last year. That’s a lot for families to shoulder, especially when so many homeowners are holding on to their low-rate loans, making it tough to find new listings. Sellers often still want those pandemic-era prices, even as the market shifts. The reality? We’re not in a crash—this is a steady correction. There’s strong equity out there, lending remains solid, and there are opportunities for both buyers and sellers who want to make smart, lasting decisions. In Casper, my approach is always to cut through the noise and guide you with honesty, clarity, and your family’s future in mind. No shortcuts—just straight talk and solutions that help you build generational wealth through real estate.