{"id":3846,"date":"2021-11-10T05:00:19","date_gmt":"2021-11-10T11:00:19","guid":{"rendered":"https:\/\/nwiloanguy.com\/blog\/whats-happening-with-home-prices\/"},"modified":"2022-11-16T14:29:46","modified_gmt":"2022-11-16T20:29:46","slug":"whats-happening-with-home-prices","status":"publish","type":"post","link":"https:\/\/nwiloanguy.com\/blog\/whats-happening-with-home-prices\/","title":{"rendered":"What\u2019s Happening with Home Prices?"},"content":{"rendered":"<p><img data-recalc-dims=\"1\" decoding=\"async\"  src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2021\/11\/05134855\/20211110-KCM-Share-549x300.jpg?w=358&#038;ssl=1\" class=\"webfeedsFeaturedVisual wp-post-image\" alt=\"What\u2019s Happening with Home Prices? | Simplifying The Market\" loading=\"lazy\" style=\"margin-bottom: 5px;clear:both;max-width: 100%\" \/><\/p>\n<p>Many people have questions about home prices right now. <em>How much have prices risen over the past 12 months? What\u2019s happening with home values right now? What\u2019s projected for next year?<\/em> Here\u2019s a look at the answers to all three of these questions.<span id=\"more-45464\"><\/span><\/p>\n<h4><strong>How much have home values appreciated over the last 12 months?<\/strong><\/h4>\n<p>According to the latest <a href=\"https:\/\/www.corelogic.com\/intelligence\/u-s-home-price-insights\/\" target=\"_blank\" rel=\"nofollow noopener\"><em>Home Price Index<\/em><\/a> from <em>CoreLogic<\/em>, home values have increased by 18.1% compared to this time last year. Additionally, prices have gone up at an accelerated pace for each of the last eight months <em>(see graph below)<\/em>:<a href=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2021\/11\/05134857\/20211110-MEM-Eng-1.png?ssl=1\" target=\"_blank\" rel=\"nofollow noopener\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-45466\" src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2021\/11\/05134857\/20211110-MEM-Eng-1.png?resize=650%2C488&#038;ssl=1\" alt=\"What\u2019s Happening with Home Prices? | Simplifying The Market\" width=\"650\" height=\"488\" \/><\/a>The increase in the rate of appreciation that\u2019s shown by <em>CoreLogic<\/em> coincides with data from the other two main home price indices: the <a href=\"https:\/\/www.fhfa.gov\/AboutUs\/Reports\/ReportDocuments\/FHFA-HPI-Monthly-10262021.pdf\" target=\"_blank\" rel=\"nofollow noopener\"><em>FHFA Home Price Index<\/em><\/a> and the <a href=\"https:\/\/www.spglobal.com\/spdji\/en\/documents\/indexnews\/announcements\/20211026-1444567\/1444567_cshomeprice-release-1026.pdf\" target=\"_blank\" rel=\"nofollow noopener\"><em>S&amp;P Case Shiller Index<\/em><\/a>.<\/p>\n<p>The last year has shown tremendous home price appreciation, which is resulting in a major gain in wealth for homeowners through rising <a href=\"https:\/\/www.simplifyingthemarket.com\/2021\/10\/22\/your-home-equity-is-growing-infographic\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">equity<\/a>.<\/p>\n<h4><strong>What\u2019s happening with home prices right now?<\/strong><\/h4>\n<p>All three indices mentioned above also show that while appreciation is in the high double digits right now, that price acceleration is beginning to level off (<em>see graph below<\/em>):<a href=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2021\/11\/05134859\/20211110-MEM-Eng-2.png?ssl=1\" target=\"_blank\" rel=\"nofollow noopener\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-45467\" src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2021\/11\/05134859\/20211110-MEM-Eng-2.png?resize=650%2C488&#038;ssl=1\" alt=\"What\u2019s Happening with Home Prices? | Simplifying The Market\" width=\"650\" height=\"488\" \/><\/a>Year-over-year appreciation is still close to 20%, but it\u2019s clearly plateauing at that rate. Many experts believe it will drop below 15% by the end of the year.<\/p>\n<p>Keep in mind, <strong>that doesn\u2019t mean home values will depreciate<\/strong>. It means the rate of appreciation will slow, yet stay well above the 25-year average of 5.1%.<\/p>\n<h4><strong>What about next year?<\/strong><\/h4>\n<p>The recent surge in prices is the result of heavy buyer demand and a <a href=\"https:\/\/www.simplifyingthemarket.com\/2021\/10\/26\/there-are-more-homes-available-now-than-there-were-this-spring\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">shortage<\/a> of homes available for sale. Most experts believe that as more housing inventory comes to market (both new construction and existing homes), the supply and demand for housing will come more into balance. That balance will bring a lower rate of appreciation in 2022. Here\u2019s a look at home price forecasts from six major entities, and they all project future appreciation:<\/p>\n<ol>\n<li><a href=\"https:\/\/www.fanniemae.com\/research-and-insights\/forecast\" target=\"_blank\" rel=\"nofollow noopener\"><em>Fannie Mae<\/em><\/a><\/li>\n<li><em>Freddie Mac<\/em><\/li>\n<li><em><a href=\"https:\/\/www.mba.org\/news-research-and-resources\/research-and-economics\/forecasts-and-commentary\" target=\"_blank\" rel=\"nofollow noopener\">Mortgage Bankers Association<\/a><\/em><\/li>\n<li><em><a href=\"https:\/\/pulsenomics.com\/surveys\/#home-price-expectations\" target=\"_blank\" rel=\"nofollow noopener\">Home Price Expectation Survey<\/a><\/em><\/li>\n<li><em><a href=\"https:\/\/www.zelmanassociates.com\/\" target=\"_blank\" rel=\"nofollow noopener\">Zelman &amp; Associates<\/a><\/em><\/li>\n<li><em>National Association of Realtors<\/em><\/li>\n<\/ol>\n<p><a href=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2021\/11\/05134901\/20211110-MEM-Eng-3.png?ssl=1\" target=\"_blank\" rel=\"nofollow noopener\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-45468\" src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2021\/11\/05134901\/20211110-MEM-Eng-3.png?resize=650%2C488&#038;ssl=1\" alt=\"What\u2019s Happening with Home Prices? | Simplifying The Market\" width=\"650\" height=\"488\" \/><\/a>While the projected rate of appreciation varies among the experts, due to things like supply chain challenges, virus variants, and more, it\u2019s clear that home values will continue to appreciate next year.<\/p>\n<h3><strong>Bottom Line<\/strong><\/h3>\n<p>There have been historic levels of home price appreciation over the last year. That pace will slow as we finish 2021 and enter into 2022. Prices will still rise in value, just at a much more moderate pace, which is good news for the housing market.<\/p>\n<p>Source: New feed<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Many people have questions about home prices right now. How much have prices risen over the past 12 months? What\u2019s happening with home values right now? What\u2019s projected for next year? Here\u2019s a look at the answers to all three of these questions. How much have home values appreciated over the last 12 months? According [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3847,"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-3846","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>What\u2019s Happening with Home Prices?&#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\/whats-happening-with-home-prices\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What\u2019s Happening with Home Prices?&#8212;NWI Loan Guy Blog\" \/>\n<meta property=\"og:description\" content=\"Many people have questions about home prices right now. 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