{"id":77,"date":"2026-10-07T09:00:00","date_gmt":"2026-10-07T09:00:00","guid":{"rendered":"https:\/\/www.carlosdelgadomyrealtor.com\/blog\/?p=77"},"modified":"2026-10-07T09:00:00","modified_gmt":"2026-10-07T09:00:00","slug":"4-questions-shaping-us-housing-affordability","status":"publish","type":"post","link":"https:\/\/www.carlosdelgadomyrealtor.com\/blog\/2026\/10\/07\/4-questions-shaping-us-housing-affordability\/","title":{"rendered":"4 Questions Shaping US Housing Affordability"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\" src=\"https:\/\/www.roomvu.com\/agent\/embed\/carlos-delgado-1\/america-housing-deflation-remotion-videos-70e4\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>Housing affordability continues to be a major focus for so many families right now, and navigating these changes has never been more important. Lately, we&#039;ve seen clear signs of housing disinflation\u2014sellers are offering more concessions and, in some cases, that\u2019s opening up real savings for buyers still determined to make homeownership a reality. Yet, the biggest challenge remains borrowing costs: with benchmark Treasury yields hovering around 5% and the average 30-year mortgage rate now above 7%, the numbers are stretching budgets. Just look at the median monthly mortgage payment, which reached about $2,600 in the four weeks ending September 13\u2014a 3% jump over last year. That\u2019s a real impact for buyers considering their next move. At the same time, the resale market is still tight, as many homeowners stick with their low-rate loans and listings remain scarce. Meanwhile, sellers are often holding out for prices reminiscent of the pandemic market. Despite all this, industry experts see these conditions as a correction toward stability\u2014not a crash\u2014with strong equity and sound lending creating opportunities on both sides of every deal. After helping West Valley buyers and sellers for over 20 years, I know how important it is to stay informed and adaptable in times like these.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Housing affordability continues to be a major focus for so many families right now, and navigating these changes has never been more important. Lately, we&#039;ve seen clear signs of housing disinflation\u2014sellers are offering more concessions and, in some cases, that\u2019s opening up real savings for buyers still determined to make homeownership a reality. Yet, the [&hellip;]<\/p>\n","protected":false},"author":79,"featured_media":78,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-77","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.carlosdelgadomyrealtor.com\/blog\/wp-json\/wp\/v2\/posts\/77","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.carlosdelgadomyrealtor.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.carlosdelgadomyrealtor.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.carlosdelgadomyrealtor.com\/blog\/wp-json\/wp\/v2\/users\/79"}],"replies":[{"embeddable":true,"href":"https:\/\/www.carlosdelgadomyrealtor.com\/blog\/wp-json\/wp\/v2\/comments?post=77"}],"version-history":[{"count":1,"href":"https:\/\/www.carlosdelgadomyrealtor.com\/blog\/wp-json\/wp\/v2\/posts\/77\/revisions"}],"predecessor-version":[{"id":79,"href":"https:\/\/www.carlosdelgadomyrealtor.com\/blog\/wp-json\/wp\/v2\/posts\/77\/revisions\/79"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.carlosdelgadomyrealtor.com\/blog\/wp-json\/wp\/v2\/media\/78"}],"wp:attachment":[{"href":"https:\/\/www.carlosdelgadomyrealtor.com\/blog\/wp-json\/wp\/v2\/media?parent=77"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.carlosdelgadomyrealtor.com\/blog\/wp-json\/wp\/v2\/categories?post=77"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.carlosdelgadomyrealtor.com\/blog\/wp-json\/wp\/v2\/tags?post=77"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}