{"id":5960,"date":"2024-08-13T05:30:00","date_gmt":"2024-08-13T10:30:00","guid":{"rendered":"https:\/\/nwiloanguy.com\/blog\/is-affordability-starting-to-improve\/"},"modified":"2024-08-13T05:30:00","modified_gmt":"2024-08-13T10:30:00","slug":"is-affordability-starting-to-improve","status":"publish","type":"post","link":"https:\/\/nwiloanguy.com\/blog\/is-affordability-starting-to-improve\/","title":{"rendered":"Is Affordability Starting To Improve?"},"content":{"rendered":"<p><img data-recalc-dims=\"1\" decoding=\"async\"  src=\"https:\/\/i0.wp.com\/files.keepingcurrentmatters.com\/KeepingCurrentMatters\/content\/images\/20240812\/20240813-is-affordability-starting-to-improve-original.png?ssl=1\" alt=\"Is Affordability Starting To Improve? Simplifying The Market\" loading=\"lazy\" style=\"margin-bottom: 5px;clear: both;max-width: 100%\" \/><\/p>\n<p>Over the past couple of years, a lot of people have had a hard time <a href=\"https:\/\/www.simplifyingthemarket.com\/2024\/07\/19\/the-biggest-mistakes-homebuyers-are-making-right-now\/?a=375140-ca8522ad04357da9549c08492a932f70\" rel=\"noopener noreferrer\" target=\"_blank\" style=\"color: blue\">buying a home<\/a>. And while affordability is still tight, there are signs it&#8217;s getting a little better and might keep improving throughout the rest of the year. Lawrence Yun, Chief Economist at the <em>National Association of Realtors<\/em> (NAR), <a href=\"https:\/\/www.cnbc.com\/2024\/07\/30\/here-are-the-signs-of-an-improving-housing-market.html\" rel=\"noopener noreferrer\" target=\"_blank\" style=\"color: blue\">says<\/a>:<\/p>\n<blockquote><p><em>\u201cHousing affordability is improving ever so modestly, but it is moving in the right direction.\u201d<\/em><\/p><\/blockquote>\n<p>Here\u2019s a look at the latest data on the three biggest factors affecting home affordability: <a href=\"https:\/\/www.simplifyingthemarket.com\/2024\/07\/25\/how-the-economy-impacts-mortgage-rates\/?a=375140-ca8522ad04357da9549c08492a932f70\" rel=\"noopener noreferrer\" target=\"_blank\" style=\"color: blue\">mortgage rates<\/a>, <a href=\"https:\/\/www.simplifyingthemarket.com\/2024\/07\/29\/are-home-prices-going-to-come-down\/?a=375140-ca8522ad04357da9549c08492a932f70\" rel=\"noopener noreferrer\" target=\"_blank\" style=\"color: blue\">home prices<\/a>, and wages.&nbsp;<\/p>\n<h4><strong>1. Mortgage Rates<\/strong><\/h4>\n<p><a href=\"https:\/\/www.simplifyingthemarket.com\/2024\/08\/07\/mortgage-rates-down-a-full-percent-from-recent-high\/?a=375140-ca8522ad04357da9549c08492a932f70\" rel=\"noopener noreferrer\" target=\"_blank\" style=\"color: blue\">Mortgage rates<\/a> have been volatile this year, bouncing around from the mid-6% to low 7% range. But there&#8217;s some good news. Data from <em>Freddie Mac<\/em> shows rates have been <a href=\"https:\/\/www.freddiemac.com\/pmms\/archive\" rel=\"noopener noreferrer\" target=\"_blank\" style=\"color: blue\">trending down<\/a> overall since May (<em>see graph below<\/em>):<\/p>\n<p><a href=\"https:\/\/i0.wp.com\/files.keepingcurrentmatters.com\/KeepingCurrentMatters\/content\/images\/20240812\/20240813-mortgage-rates-are-declining-steadily-original.png?ssl=1\" rel=\"noopener noreferrer\" target=\"_blank\"><img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/files.keepingcurrentmatters.com\/KeepingCurrentMatters\/content\/images\/20240812\/20240813-mortgage-rates-are-declining-steadily-original.png?ssl=1\" alt=\"No Caption Received\"><\/a>Mortgage rates have improved lately in part because of <a href=\"https:\/\/www.simplifyingthemarket.com\/2024\/07\/25\/how-the-economy-impacts-mortgage-rates\/?a=375140-ca8522ad04357da9549c08492a932f70\" rel=\"noopener noreferrer\" target=\"_blank\" style=\"color: blue\">recent economic<\/a>, employment, and inflation data. Moving forward, some rate volatility is to be expected. But if future economic data continues to show signs of cooling, experts say mortgage rates could keep going down.<\/p>\n<p>&nbsp;Even a small drop can <a href=\"https:\/\/www.simplifyingthemarket.com\/2024\/07\/16\/how-to-determine-if-youre-ready-to-buy-a-home\/?a=375140-ca8522ad04357da9549c08492a932f70\" rel=\"noopener noreferrer\" target=\"_blank\" style=\"color: blue\">help you out<\/a>. When rates decline, it&#8217;s easier to <a href=\"https:\/\/www.simplifyingthemarket.com\/2024\/07\/22\/how-affordability-and-remote-work-are-changing-where-people-live\/?a=375140-ca8522ad04357da9549c08492a932f70\" rel=\"noopener noreferrer\" target=\"_blank\" style=\"color: blue\">afford<\/a> the home you want because your monthly payment will be lower. Just don\u2019t expect them to go back down to 3%.<\/p>\n<h4><strong>2. Home Prices<\/strong><\/h4>\n<p>The second big thing to think about is <a href=\"https:\/\/www.simplifyingthemarket.com\/2024\/06\/24\/housing-market-forecast-whats-ahead-for-the-2nd-half-of-2024\/?a=375140-ca8522ad04357da9549c08492a932f70\" rel=\"noopener noreferrer\" target=\"_blank\" style=\"color: blue\">home prices<\/a>. Nationally, they\u2019re still going up this year, but <a href=\"https:\/\/www.simplifyingthemarket.com\/2024\/07\/29\/are-home-prices-going-to-come-down\/?a=375140-ca8522ad04357da9549c08492a932f70\" rel=\"noopener noreferrer\" target=\"_blank\" style=\"color: blue\">not as fast<\/a> as they did a couple of years ago. The graph below uses home price <a href=\"https:\/\/www.spglobal.com\/spdji\/en\/indices\/indicators\/sp-corelogic-case-shiller-20-city-composite-home-price-nsa-index\/#news-research\" rel=\"noopener noreferrer\" target=\"_blank\" style=\"color: blue\">data<\/a> from <em>Case-Shiller<\/em> to illustrate that point:<\/p>\n<p><a href=\"https:\/\/i0.wp.com\/files.keepingcurrentmatters.com\/KeepingCurrentMatters\/content\/images\/20240812\/20240813-home-prices-are-moderating-original.png?ssl=1\" rel=\"noopener noreferrer\" target=\"_blank\"><img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/files.keepingcurrentmatters.com\/KeepingCurrentMatters\/content\/images\/20240812\/20240813-home-prices-are-moderating-original.png?ssl=1\" alt=\"No Caption Received\"><\/a>If you&#8217;re thinking about buying a home, slower price growth is good news. <a href=\"https:\/\/www.simplifyingthemarket.com\/2024\/06\/12\/home-prices-arent-declining-but-headlines-might-make-you-think-they-are\/?a=375140-ca8522ad04357da9549c08492a932f70\" rel=\"noopener noreferrer\" target=\"_blank\" style=\"color: blue\">Home prices<\/a> went up a lot during the pandemic, making it hard for many people to buy. Now, with prices rising more slowly, buying a home may feel less out of reach. As Odeta Kushi, Deputy Chief Economist at <em>First American<\/em>, <a href=\"https:\/\/blog.firstam.com\/economics\/for-potential-first-time-home-buyers-it-may-be-memphis-or-bust\" rel=\"noopener noreferrer\" target=\"_blank\" style=\"color: blue\">says<\/a>:&nbsp;<\/p>\n<blockquote><p><em>\u201cWhile housing affordability is low for potential first-time home buyers, <\/em><strong><em>slowing price appreciation and lower mortgage rates could help<\/em><\/strong><em> \u2013 so the dream of homeownership isn\u2019t boarded up just yet.\u201d<\/em><\/p><\/blockquote>\n<h4><strong>3. Wages<\/strong><\/h4>\n<p>Another factor helping with affordability is rising wages. The graph below uses <a href=\"https:\/\/www.bls.gov\/ces\/\" rel=\"noopener noreferrer\" target=\"_blank\" style=\"color: blue\">data<\/a> from the <em>Bureau of Labor Statistics<\/em> (BLS) to show how wages have increased over time:<\/p>\n<p><a href=\"https:\/\/i0.wp.com\/files.keepingcurrentmatters.com\/KeepingCurrentMatters\/content\/images\/20240812\/20240813-wages-climbing-at-a-faster-pace-original.png?ssl=1\" rel=\"noopener noreferrer\" target=\"_blank\"><img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/files.keepingcurrentmatters.com\/KeepingCurrentMatters\/content\/images\/20240812\/20240813-wages-climbing-at-a-faster-pace-original.png?ssl=1\" alt=\"No Caption Received\"><\/a>Look at the blue dotted line. It shows how wages usually go up in a typical year. On the right side of the graph, you&#8217;ll see wages are rising even faster than normal right now \u2013 that&#8217;s the green line.<\/p>\n<p>This helps you because if your income increases, it&#8217;s easier to afford a home. That\u2019s because you won&#8217;t have to spend as much of your paycheck on your monthly mortgage payment.<\/p>\n<h3>Bottom Line<\/h3>\n<p>When you put all these factors together, you see mortgage rates are trending down, home prices are rising more slowly, and wages are going up faster than usual. Though affordability is still a challenge, these trends are <a href=\"https:\/\/www.simplifyingthemarket.com\/2024\/07\/18\/unlocking-homebuyer-opportunities-in-2024\/?a=375140-ca8522ad04357da9549c08492a932f70\" rel=\"noopener noreferrer\" target=\"_blank\" style=\"color: blue\">early signs<\/a> things might be starting to improve.<\/p>\n<p>Source: New feed<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Over the past couple of years, a lot of people have had a hard time buying a home. And while affordability is still tight, there are signs it&#8217;s getting a little better and might keep improving throughout the rest of the year. Lawrence Yun, Chief Economist at the National Association of Realtors (NAR), says: \u201cHousing [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":5961,"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-5960","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>Is Affordability Starting To Improve?&#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\/is-affordability-starting-to-improve\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Is Affordability Starting To Improve?&#8212;NWI Loan Guy Blog\" \/>\n<meta property=\"og:description\" content=\"Over the past couple of years, a lot of people have had a hard time buying a home. 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