{"id":2626,"date":"2020-01-15T05:00:31","date_gmt":"2020-01-15T11:00:31","guid":{"rendered":"https:\/\/nwiloanguy.com\/blog\/homes-are-more-affordable-today-not-less-affordable\/"},"modified":"2020-01-15T05:00:31","modified_gmt":"2020-01-15T11:00:31","slug":"homes-are-more-affordable-today-not-less-affordable","status":"publish","type":"post","link":"https:\/\/nwiloanguy.com\/blog\/homes-are-more-affordable-today-not-less-affordable\/","title":{"rendered":"Homes Are More Affordable Today, Not Less Affordable"},"content":{"rendered":"<p><img data-recalc-dims=\"1\" decoding=\"async\"  src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2020\/01\/10140145\/20200115-KCM-Share-549x300.jpg?w=358&#038;ssl=1\" class=\"webfeedsFeaturedVisual wp-post-image\" alt=\"Homes Are More Affordable Today, Not Less Affordable | Simplifying The Market\" style=\"margin-bottom: 5px;clear:both;max-width: 100%\" \/><\/p>\n<p>There\u2019s a current narrative that owning a home today is less affordable than it has been in the past. The reason some are making this claim is because house prices have substantially increased over the last several years.<span id=\"more-41544\"><\/span><\/p>\n<p>It\u2019s not, however, just the price of a home that matters.<\/p>\n<p>Homes, in most cases, are purchased with a mortgage. The current mortgage rate is a major component of the affordability equation. Mortgage rates have fallen by over a full percentage point since December 2018. Another major piece of the affordability equation is a buyer\u2019s income. The median family income has risen by approximately 3% over the last year.<\/p>\n<p>The <em>National Association of Realtors<\/em> (NAR) releases a monthly <strong>Housing Affordability Index<\/strong>. The <a href=\"https:\/\/www.nar.realtor\/blogs\/economists-outlook\/housing-affordability-slightly-dips-in-october-2019\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">latest index<\/a> shows that home affordability <strong>is better today than at almost any point over the last 30 years<\/strong>. The index determines how affordable homes are based on the following:<\/p>\n<blockquote>\n<p><em>\u201cA Home Affordability Index value of 100 means that a family with the median income has exactly enough income to qualify for a mortgage on a median-priced home. An index of 120 signifies that a family earning the median income has 20 percent more than the level of income needed pay the mortgage on a median-priced home, assuming a 20 percent down payment so that the monthly payment and interest will not exceed 25 percent of this level of income (qualifying income).\u201d<\/em><\/p>\n<\/blockquote>\n<p>The higher the index, therefore, the more affordable homes are. Here is a graph showing the index since 1990:<a href=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2020\/01\/10140001\/20200115-MEM-ENG-1.jpg?ssl=1\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-41545\" src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2020\/01\/10140001\/20200115-MEM-ENG-1.jpg?resize=650%2C488&#038;ssl=1\" alt=\"Homes Are More Affordable Today, Not Less Affordable | Simplifying The Market\" width=\"650\" height=\"488\" \/><\/a>Obviously, affordability was better during the housing crash when distressed properties \u2013 foreclosures and short sales \u2013 sold at major discounts (2009-2015). Outside of that period, however, homes are more affordable today than any other year since 1990, except for 2016.<\/p>\n<p>The report on the index also includes a section that calculates the mortgage payment on a median priced home as a percentage of the median national income. Historically, that percentage is just above 21%. Here are the percentages since June of 2018:<a href=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2020\/01\/10140044\/20200115-MEM-ENG-2.jpg?ssl=1\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-41546\" src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2020\/01\/10140044\/20200115-MEM-ENG-2.jpg?resize=650%2C488&#038;ssl=1\" alt=\"Homes Are More Affordable Today, Not Less Affordable | Simplifying The Market\" width=\"650\" height=\"488\" \/><\/a>Again, we can see that affordability is much better today than the historical average and has been getting better over the last year and a half.<\/p>\n<h3><strong>Bottom Line<\/strong><\/h3>\n<p>Whether you\u2019re thinking about buying your first home or moving up to the home of your dreams, don\u2019t let the false narrative about affordability prevent you from moving forward. From an affordability standpoint, this is one of the best times to buy in the last 30 years.<\/p>\n<p>Source: New feed<\/p>\n","protected":false},"excerpt":{"rendered":"<p>There\u2019s a current narrative that owning a home today is less affordable than it has been in the past. The reason some are making this claim is because house prices have substantially increased over the last several years. It\u2019s not, however, just the price of a home that matters. Homes, in most cases, are purchased [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2627,"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-2626","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>Homes Are More Affordable Today, Not Less Affordable&#8212;NWI Loan Guy Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/nwiloanguy.com\/blog\/homes-are-more-affordable-today-not-less-affordable\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Homes Are More Affordable Today, Not Less Affordable&#8212;NWI Loan Guy Blog\" \/>\n<meta property=\"og:description\" content=\"There\u2019s a current narrative that owning a home today is less affordable than it has been in the past. 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