{"id":4208,"date":"2022-06-16T05:00:41","date_gmt":"2022-06-16T10:00:41","guid":{"rendered":"https:\/\/nwiloanguy.com\/blog\/home-price-deceleration-doesnt-mean-home-price-depreciation\/"},"modified":"2022-06-16T05:00:41","modified_gmt":"2022-06-16T10:00:41","slug":"home-price-deceleration-doesnt-mean-home-price-depreciation","status":"publish","type":"post","link":"https:\/\/nwiloanguy.com\/blog\/home-price-deceleration-doesnt-mean-home-price-depreciation\/","title":{"rendered":"Home Price Deceleration Doesn\u2019t Mean Home Price Depreciation"},"content":{"rendered":"<p><img data-recalc-dims=\"1\" decoding=\"async\"  src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2022\/06\/15152230\/20220616-KCM-Share-549x300.jpg?w=358&#038;ssl=1\" class=\"webfeedsFeaturedVisual wp-post-image\" alt=\"Home Price Deceleration Doesn\u2019t Mean Home Price Depreciation | Simplifying The Market\" loading=\"lazy\" style=\"margin-bottom: 5px;clear:both;max-width: 100%\" \/><\/p>\n<p>Experts in the real estate industry use a number of terms when they talk about what&#8217;s happening with home prices. And some of those words sound a bit similar but mean very different things. To help clarify what&#8217;s happening with <a href=\"https:\/\/www.simplifyingthemarket.com\/2022\/05\/24\/sellers-have-an-opportunity-with-todays-home-prices\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">home prices<\/a> and where experts say they&#8217;re going, here\u2019s a look at a few terms you may hear:<span id=\"more-46664\"><\/span><\/p>\n<ul>\n<li><strong>Appreciation<\/strong> is when home prices <em>increase<\/em>.<\/li>\n<li><strong>Depreciation<\/strong> is when home prices <em>decrease<\/em>.<\/li>\n<li><strong>Deceleration<\/strong> is when home prices continue to <em>appreciate<\/em>, but at a <em>slower pace<\/em>.<\/li>\n<\/ul>\n<h4><strong>Where Home Prices Have Been in Recent Years<\/strong><\/h4>\n<p>For starters, you\u2019ve probably heard home prices have skyrocketed over the past two years, but homes were actually appreciating long before that. You might be surprised to learn that home prices have climbed for <a href=\"https:\/\/www.fhfa.gov\/DataTools\/Downloads\/Pages\/House-Price-Index-Datasets.aspx#qpo\" target=\"_blank\" rel=\"nofollow noopener\">122<\/a> consecutive months <em>(see graph below)<\/em>:<\/p>\n<p><a href=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2022\/06\/15152228\/20220616-MEM-Eng-1.png?ssl=1\" target=\"_blank\" rel=\"nofollow noopener\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-46665\" src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2022\/06\/15152228\/20220616-MEM-Eng-1.png?resize=650%2C488&#038;ssl=1\" alt=\"Home Price Deceleration Doesn\u2019t Mean Home Price Depreciation | Simplifying The Market\" width=\"650\" height=\"488\" \/><\/a><\/p>\n<p>As the graph shows, houses have gained value consistently over the past 10 consecutive years. But since 2020, the increase has been <a href=\"https:\/\/www.fhfa.gov\/Media\/PublicAffairs\/Pages\/US-House-Prices-Rise-18pt7-Percent-over-the-Last-Year-Up-4pt6-Percent-from-the-Fourth-Quarter.aspx\" target=\"_blank\" rel=\"nofollow noopener\">more dramatic<\/a> as home price growth accelerated.<\/p>\n<p>So why did home prices climb so much? It\u2019s because there were more buyers than there were homes for sale. That imbalance put upward pressure on home prices because demand was high and supply was low.<\/p>\n<h4><strong>Where Experts Say Home Prices Are Going<\/strong><\/h4>\n<p>While this is helpful context, if you\u2019re a buyer or seller in today\u2019s market, you probably want to know what\u2019s going to happen with home prices moving forward. Will they continue that same growth path or will home prices fall?<\/p>\n<p>Experts are <a href=\"https:\/\/www.simplifyingthemarket.com\/2022\/05\/31\/what-does-the-rest-of-the-year-hold-for-the-housing-market\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">forecasting<\/a> ongoing appreciation, just at a decelerated pace. In other words, prices will keep climbing, just not as fast as they have been. The graph below shows home price forecasts from seven industry leaders. <strong>None are calling for prices to fall <\/strong><em>(see graph below)<\/em>:<\/p>\n<p><a href=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2022\/06\/15152231\/20220616-MEM-Eng-2.png?ssl=1\" target=\"_blank\" rel=\"nofollow noopener\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-46667\" src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2022\/06\/15152231\/20220616-MEM-Eng-2.png?resize=650%2C488&#038;ssl=1\" alt=\"Home Price Deceleration Doesn\u2019t Mean Home Price Depreciation | Simplifying The Market\" width=\"650\" height=\"488\" \/><\/a><\/p>\n<p>Mark Fleming, Chief Economist at <em>First American,<\/em> <a href=\"https:\/\/blog.firstam.com\/economics\/the-housing-market-is-slowing-by-design-but-dont-expect-a-bust\" target=\"_blank\" rel=\"nofollow noopener\">identifies<\/a> a key reason why home prices won\u2019t depreciate or drop:<\/p>\n<blockquote>\n<p><strong><em>\u201c<\/em><\/strong><em>In today\u2019s housing market, demand for homes continues to outpace supply, which is keeping the pressure on house prices,<strong> so don\u2019t expect house prices to decline.\u201d<\/strong><\/em><\/p>\n<\/blockquote>\n<p>And although <a href=\"https:\/\/www.simplifyingthemarket.com\/2022\/05\/11\/are-there-more-homes-coming-to-the-market\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">housing supply<\/a> is starting to tick up, it\u2019s not enough to make home prices decline because there\u2019s still a gap between the number of homes available for sale and the volume of buyers looking to make a purchase.<\/p>\n<p>Terry Loebs, Founder of the research firm <em>Pulsenomics<\/em>, notes that most real estate experts and economists anticipate home prices will continue rising. As he <a href=\"https:\/\/www.forbes.com\/sites\/brendarichardson\/2022\/06\/07\/rising-rates-and-buyer-urgency-keep-home-price-gains-above-20-in-april\/?sh=c5446d229ec7\" target=\"_blank\" rel=\"nofollow noopener\">puts it<\/a>:<\/p>\n<blockquote>\n<p><em>\u201cWith home values at record-high levels and<strong> a<\/strong> <strong>vast majority of experts projecting additional price increases this year and beyond, home prices and expectations remain buoyant.\u201d<\/strong><\/em><\/p>\n<\/blockquote>\n<h3><strong>Bottom Line<\/strong><\/h3>\n<p>Experts forecast price deceleration, not depreciation. That means home prices will continue to rise, just at a slower pace. Let\u2019s connect so you can get the full picture of what\u2019s happening with home prices in our local market and to discuss your buying and selling goals.<\/p>\n<p>Source: New feed<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Experts in the real estate industry use a number of terms when they talk about what&#8217;s happening with home prices. And some of those words sound a bit similar but mean very different things. To help clarify what&#8217;s happening with home prices and where experts say they&#8217;re going, here\u2019s a look at a few terms [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4209,"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-4208","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 v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Home Price Deceleration Doesn\u2019t Mean Home Price Depreciation&#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\/home-price-deceleration-doesnt-mean-home-price-depreciation\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Home Price Deceleration Doesn\u2019t Mean Home Price Depreciation&#8212;NWI Loan Guy Blog\" \/>\n<meta property=\"og:description\" content=\"Experts in the real estate industry use a number of terms when they talk about what&#8217;s happening with home prices. 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