{"id":2531,"date":"2019-11-07T05:00:36","date_gmt":"2019-11-07T11:00:36","guid":{"rendered":"https:\/\/nwiloanguy.com\/blog\/forget-the-price-of-the-home-the-cost-is-what-matters\/"},"modified":"2019-11-07T05:00:36","modified_gmt":"2019-11-07T11:00:36","slug":"forget-the-price-of-the-home-the-cost-is-what-matters","status":"publish","type":"post","link":"https:\/\/nwiloanguy.com\/blog\/forget-the-price-of-the-home-the-cost-is-what-matters\/","title":{"rendered":"Forget the Price of the Home. The Cost is What Matters."},"content":{"rendered":"<p><img data-recalc-dims=\"1\" decoding=\"async\"  src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2019\/11\/06135534\/20191107-KCM-Share-549x300.jpg?w=358&#038;ssl=1\" class=\"webfeedsFeaturedVisual wp-post-image\" alt=\"Forget the Price of the Home. The Cost is What Matters. | Simplifying The Market\" style=\"margin-bottom: 5px;clear:both;max-width: 100%\" \/><\/p>\n<p>Home buying activity (demand) is up, and the number of available listings (supply) is down. When demand outpaces supply, prices appreciate. That\u2019s why firms are beginning to increase their projections for home price appreciation going forward. As an example, <a href=\"https:\/\/www.corelogic.com\/insights\/home-price-index.aspx\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><em>CoreLogic<\/em><\/a> increased their 12-month projection for home values from 4.5% to 5.6% over the last few months.<span id=\"more-41145\"><\/span><\/p>\n<p>The reacceleration of home values will cause some to again voice concerns about affordability. Just last week, however, <em>First American<\/em> came out with a <a href=\"https:\/\/blog.firstam.com\/economics\/the-dynamic-forces-that-re-shaped-housing-affordability-in-2019\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">data analysis<\/a> that explains how price is not the only market factor that impacts affordability. They studied prices, mortgage rates, and wages from January through August of this year. Here are their findings:<\/p>\n<h4><strong>Home Prices<\/strong><\/h4>\n<blockquote>\n<p><em>\u201cIn January 2019, a family with the median household income in the U.S. could afford to buy a $373,900 house. By August, that home had appreciated to $395,000, an increase of $21,100.\u201d<\/em><\/p>\n<\/blockquote>\n<h4><strong>Mortgage Interest Rates<\/strong><\/h4>\n<blockquote>\n<p><em>\u201cThe 0.85 percentage point drop in mortgage rates from January 2019 through August 2019 increased affordability by 9.7%. That translates to a $40,200 improvement in house-buying power in just eight months.\u201d<\/em><\/p>\n<\/blockquote>\n<h4><strong>Wage Growth<\/strong><\/h4>\n<blockquote>\n<p><em>\u201cAs rates have fallen in 2019, the economy has continued to perform well also, resulting in a tight labor market and wage growth. Wage growth pushes household incomes upward, which were 1.5% higher in August compared with January. The growth in household income increased consumer house-buying power by 1.5%, pushing house-buying power up an additional $5,600.\u201d<\/em><\/p>\n<\/blockquote>\n<p>When all three market factors are combined, <strong>purchasing power increased<\/strong> <strong>by $24,500,<\/strong> thus making home buying more affordable, not less affordable. Here is a table that simply shows the data:<a href=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2019\/11\/06135442\/20191107-MEM.jpeg?ssl=1\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-41146\" src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2019\/11\/06135442\/20191107-MEM.jpeg?resize=650%2C488&#038;ssl=1\" alt=\"Forget the Price of the Home. The Cost is What Matters. | Simplifying The Market\" width=\"650\" height=\"488\" \/><\/a><\/p>\n<h3><strong>Bottom Line<\/strong><\/h3>\n<p>In the article, Mark Fleming, <em>Chief Economist<\/em> at <em>First American<\/em>, explained it best:<\/p>\n<blockquote>\n<p><em>\u201cFocusing on nominal house price changes alone as an indication of changing affordability, or even the relationship between nominal house price growth and income growth, overlooks what matters more to potential buyers \u2013 surging house-buying power driven by the dynamic duo of mortgage rates and income growth. And, we all know from experience, you buy what you can afford to pay per month.\u201d<\/em><\/p>\n<\/blockquote>\n<p>Source: New feed<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Home buying activity (demand) is up, and the number of available listings (supply) is down. When demand outpaces supply, prices appreciate. That\u2019s why firms are beginning to increase their projections for home price appreciation going forward. As an example, CoreLogic increased their 12-month projection for home values from 4.5% to 5.6% over the last few [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2532,"comment_status":"false","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":{"facebook_10157519356927224_105287467588662":"","twitter_15771620_15771620":""},"rop_publish_now_history":[],"rop_publish_now_status":"pending","_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[1],"tags":[54],"class_list":{"0":"post-2531","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-local-info","8":"tag-100-financing","9":"entry"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Forget the Price of the Home. 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