The Housing Market Is Beginning To Crack
Published: 2025-07-11
Status:
Available
|
Analyzed
Published: 2025-07-11
Status:
Available
|
Analyzed
Predictions from this Video
Incorrect: 0
Prediction
Topic
Status
Median US house prices have fallen from $442,000 in late 2022 to $416,000 in 2025.
"The median house in America is selling for around $416,000, which is quite a bit lower than the end of 2022 when the median house was selling for $442,000."
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The median US housing price has experienced a 6% decrease between 2022 and 2025.
"That means the median housing price has fallen by around 6% between 2022 and 2025."
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Despite recent declines, the median US housing price in 2025 remains 27% higher than in 2020.
"But the median house in America is 27% higher than where it was back in 2020."
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Potential for Federal Reserve interest rate cuts later in 2025, with uncertainty regarding the magnitude and frequency.
"Maybe we'll see some interest rate cuts by the Federal Reserve Bank later in 2025, but we really don't know how much and how many."
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In 2025, a median-priced house with a 6.5% mortgage costs $2,100 per month, which is 30% more than in 2022, despite the house being 6% cheaper.
"And then 2025 rolls around. ... But now you can't get a 3.5% mortgage. You have to get a 6 1/2% mortgage. Now that same house is going to cost you $2,100 a month. That's 30% more than what it would have cost you in 2022."
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If the Federal Reserve does not cut interest rates, there is a possibility that President Trump will replace the chairman in 2026 with someone more inclined to cut rates.
"And if they don't, well, President Trump has essentially said that he will replace the chairman of the Federal Reserve Bank in 2026 to somebody who'd be more advocative to cutting interest rates."
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The gap between home sellers and buyers, with 33.7% more sellers, is the largest seen since 2013, indicating increased supply over demand.
"According to Redfin, there are 33.7% more sellers than buyers. And we haven't seen a gap this big between sellers and buyers since 2013"
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In 2025, there is the highest number of unsold new homes in 15 years, suggesting developers are struggling to sell new construction.
"we're seeing in 2025 more of the new construction completing. And it looks like developers are having a tougher time selling that new inventory that's hitting the market because according to the reports, we have the highest number of unsold new homes in 15 years."
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The current number of unsold new homes is at a 15-year high.
"we have the highest number of unsold new homes in 15 years."
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There's a possibility of interest rate cuts by the Federal Reserve later in 2025.
"Maybe we'll see some interest rate cuts by the Federal Reserve Bank later in 2025"
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There is a prediction that the housing market may crash and home prices could fall further.
"And this is where a lot of people try to get into the prediction game of is the housing market going to crash? Are home prices going to fall even further?"
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A decrease in mortgage rates is expected to increase demand in the housing market by attracting more buyers.
"And while we can't exactly predict where mortgage rates are going to go, what we do generally know is that if and when mortgage rates go down, that could help influence demand by bringing more buyers into the housing market."
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President Trump intends to replace the Federal Reserve Chairman in 2026 with someone more inclined to cut interest rates.
"President Trump has essentially said that he will replace the chairman of the Federal Reserve Bank in 2026 to somebody who'd be more advocative to cutting interest rates."
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Treasury yields have generally been increasing in 2025.
"And what we've been seeing in 2025 is that Treasury yields have generally been rising."
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Rising Treasury yields are predicted to lead to an increase in mortgage rates.
"If Treasury yields rise, so do mortgage rates."
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A decrease in Treasury yields is expected to allow banks to offer lower mortgage interest rates.
"If Treasury yields fall, well, that gives your bank breathing room to charge you lower interest rates as well."
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Potential for Federal Reserve interest rate cuts in late 2025, but the magnitude and frequency are uncertain.
"Maybe we'll see some interest rate cuts by the Federal Reserve Bank later in 2025, but we really don't know how much and how many."
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A decrease in mortgage rates is anticipated to boost demand by attracting more buyers to the housing market.
"if and when mortgage rates go down, that could help influence demand by bringing more buyers into the housing market."
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If the Federal Reserve does not cut interest rates, President Trump plans to replace the chairman in 2026 with someone more inclined to cut rates.
"And if they don't, well, President Trump has essentially said that he will replace the chairman of the Federal Reserve Bank in 2026 to somebody who'd be more advocative to cutting interest rates."
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An increase in buyers relative to sellers (demand outpacing supply) is expected to drive home prices higher.
"if you have more buyers and sellers or demand and supply that generally pushes home prices up."
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A decrease in mortgage rates is expected to increase demand in the housing market by attracting more buyers.
"And while we can't exactly predict where mortgage rates are going to go, what we do generally know is that if and when mortgage rates go down, that could help influence demand by bringing more buyers into the housing market."
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An increase in supply relative to demand (more sellers than buyers) is expected to cause housing prices to fall.
"When you have more supply than demand more sellers and buyers that generally pulls housing prices lower."
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Rising home prices are predicted when demand (buyers) outpaces supply (sellers).
"So this is what you want to pay attention to when you want to understand where the housing market is going and then weigh this demand against the supply because if you have more buyers and sellers or demand and supply that generally pushes home prices up."
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Falling home prices are predicted when supply (sellers) outpaces demand (buyers).
"When you have more supply than demand more sellers and buyers that generally pulls housing prices lower."
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