Curb Report

Housing market forecasts, crash risk, cap rate & 100+ metrics for every U.S. county and ZIP.

06/30/2026

National office vacancy hit 20.7%.

A record.

That is not just a landlord problem. Empty towers mean weaker downtowns, lower commercial values, and city budgets looking for someone else to pay.

Guess who "someone else" usually is.

06/29/2026

Even mobile homes got expensive.

Prices rose 58.34% from 2018 to 2023, hitting an average $124,300.

The cheap option is now a six-figure product before you even solve land, financing, or park rent.

That is not a ladder.

That is the bottom rung getting sawed off.

06/25/2026

Half of America's renters are now paying too much just to stay housed.

Harvard found 22.4 million renter households spend more than 30% of income on rent and utilities. That is half of all renters.

You cannot budget-hack your way out of a market where the landlord gets paid first and every other bill fights over what is left.

06/24/2026

32.5% of adults 18 to 34 now live with their parents. Census 2024.

In New Jersey it's 44%. In Connecticut, 41%.

This isn't laziness. It's a wall built brick by brick by every zoning board and every voter who treats "my home value went up" as a moral victory.

A whole generation locked out, so the people already inside could get richer.

06/23/2026

New York City banned Airbnb to make rent cheaper.

In 2023, Local Law 18 wiped out about 90% of short-term listings. 22,000 dropped to roughly 2,300. The promise: those homes flood back to renters, prices fall.

Then Manhattan's median rent topped $4,000 a month for the FIRST TIME EVER. Citywide vacancy hit a record-low 1.4%.

The ban didn't lower rent. It couldn't. A city short hundreds of thousands of homes was never going to be saved by 2,300 units.

We keep blaming the easy villain instead of the real one: we stopped building.

Who actually benefits when the conversation stays about Airbnb and never about supply?

06/22/2026

Stop blaming avocado toast. Look at the actual math.

Since 1980, the typical American home got 551% more expensive. The typical American income? Up just 373%.

That gap is not a personality flaw. It is not bad budgeting. It is a 178-point chasm between what houses cost and what people earn.

In 1980 a home cost about 3.65 times your yearly income. Today it is 5.08 times. Same house. Same dream. A completely different math problem.

Your parents didn't just work harder. They bought into a ratio that no longer exists.

So who actually got rich off that 178-point gap, the family trying to buy, or the people who already owned?

06/19/2026

You've heard it a hundred times: "Foreigners are buying up all the houses."

Here are the actual numbers. Foreign buyers were 1.9% of existing-home sales last year. 78,100 homes. The 2nd-lowest count on record.

The scary headline villain, buyers from China? About 11,700 homes. That's 0.3% of the market. Basically a rounding error.

Meanwhile we are short millions of homes because we made building them slow, expensive, and in many places flat-out illegal.

It's a lot easier to blame a stranger across an ocean than to admit your own city blocked the apartments.

So who's really keeping you from a home?

06/18/2026

Sellers have a new strategy: don't sell.

Home delistings hit a record in 2025, up 45.5% year to date and the highest on record. In Miami, for every 100 homes that went up for sale, 45 got yanked back off the market.

Why? Sellers are still dreaming of 2022 prices. Buyers are crushed by 7% mortgages and soaring insurance. So instead of dropping the price, sellers just hide the house and wait.

Here is the part nobody says out loud: a home pulled off the market helps no one. It does not lower your rent. It does not let a young family in. It just sits there, frozen, while everyone insists nothing is wrong.

Who do you think blinks first, the seller or the buyer?

06/17/2026

Hurricane Debby damaged around 160,000 homes in 2024.

78% of them were OUTSIDE the FEMA flood zone. The area where the map says "low risk" and flood insurance isn't even required.

That's about 124,000 families who were told they were fine, then watched roughly $9.7B in damage hit homes the official map called safe.

Here's the uncomfortable part: "not in a flood zone" has become code for "don't bother insuring." But those maps weren't built to predict a slow, soaking hurricane dumping rain on streets that have no river in sight.

That risk doesn't disappear. It just gets priced into your house without anyone telling you.

If the official flood map is wrong 4 times out of 5, what is it actually protecting you from?

06/16/2026

Everyone asks why young buyers can't find a starter home. Here's the uncomfortable answer: we basically stopped building them.

In 1982, small entry-level homes (1,400 sq ft or less) were 40% of all new houses. By 2019 they were about 7%.

Look at the raw count. The late 1970s averaged 418,000 starter homes a year. By 2020 it was around 65,000.

We didn't run out of people who need a first home. We quietly stopped making the first home.

So when someone says "just work harder and buy a starter," ask them: what starter? Where?

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