{"id":6041,"date":"2024-10-09T05:30:00","date_gmt":"2024-10-09T10:30:00","guid":{"rendered":"https:\/\/nwiloanguy.com\/blog\/two-reasons-why-the-housing-market-wont-crash\/"},"modified":"2024-10-09T05:30:00","modified_gmt":"2024-10-09T10:30:00","slug":"two-reasons-why-the-housing-market-wont-crash","status":"publish","type":"post","link":"https:\/\/nwiloanguy.com\/blog\/two-reasons-why-the-housing-market-wont-crash\/","title":{"rendered":"Two Reasons Why the Housing Market Won\u2019t Crash"},"content":{"rendered":"

\"Two<\/p>\n

You may have heard chatter recently about the economy and talk about a possible recession. It’s no surprise that kind of noise gets some people worried about a housing market crash. Maybe you\u2019re one of them. But here\u2019s the good news \u2013 there\u2019s no need to panic. The housing market<\/a> is not set up for a crash right now.<\/p>\n

Real estate journalist Michele Lerner says<\/a>:<\/p>\n

\u201cA housing market crash happens when home values plummet due to a lack of demand for homes or an oversupply.\u201d<\/em><\/p><\/blockquote>\n

With that definition in mind, here are two reasons why this just isn\u2019t on the horizon.<\/p>\n

1. Demand for Homes Is Higher than Supply<\/strong><\/h4>\n

One of the biggest reasons the housing market crashed back in 2008 was an oversupply of homes. Today, though, it\u2019s a very different story. <\/p>\n

It\u2019s a general rule of thumb that a market where supply and demand are balanced has a six-month supply of homes. A higher number means supply outpaces demand, and a lower number means demand outpaces supply. The graph below uses data<\/a> from NAR to put today\u2019s situation into context:<\/p>\n

\"a<\/a>The graph compares housing supply during three different periods of time. The red bar shows there were 13 months of supply before the 2008 crisis, which was far too much. The gray bar shows a balanced market with six months of supply, for context. And the blue bar shows there are only 4.2 months of supply today.<\/p>\n

Put simply, there are more people who want to buy homes than there are homes available to buy right now. So, demand<\/a> is greater than supply. When that happens, home prices<\/a> stay steady or rise \u2013 the opposite of a housing market crash. <\/p>\n

It\u2019s important to note that inventory levels differ from market to market. Some areas may be more balanced, while a few could have a slight oversupply, which can impact prices locally. However, most markets continue to experience a shortage of homes.<\/p>\n

Lawrence Yun, Chief Economist at the National Association of Realtors<\/em> (NAR), says:<\/p>\n

\u201c<\/em>We simply don\u2019t have enough inventory.<\/em><\/strong> Will some markets see a price decline? Yes. [But] with the supply not being there, the repeat of a 30 percent price decline is highly, highly unlikely.\u201d<\/em><\/p><\/blockquote>\n

2. Unemployment Is Still Low<\/strong><\/h4>\n

When people are unemployed, they\u2019re more likely to have trouble making their mortgage payments and may be forced to sell or face foreclosure. That was a big problem during the 2008 financial crisis. Today, the employment situation<\/a> is much more stable (see graph below<\/em>):<\/p>\n

\"a<\/a>Again, this graph shows three different periods of time, but this one is the unemployment rate. The red bar represents the 2008 financial crisis when unemployment was very high at 8.3%. The gray bar shows the 75-year average of 5.7%. And the blue bar shows the unemployment rate today, and it\u2019s much lower at just 4.1%.<\/p>\n

Right now, people are working, earning an income, and making their mortgage payments. That\u2019s one reason why the wave of foreclosures that happened in 2008 isn\u2019t going to happen again this time. Plus, since so many people are employed right now, many are actually in a position to buy a home, and this demand keeps upward pressure on prices.<\/p>\n

Today\u2019s Housing Market Is Stronger than in 2008<\/strong><\/h4>\n

While it\u2019s understandable to be concerned when you hear talk of a recession and economic uncertainty, but know this: the housing market is in a much better place than it was in 2008. According<\/a> to Rick Sharga, Founder and CEO at CJ Patrick Company<\/em>:<\/p>\n

\u201cLiterally everything is different about today\u2019s housing market dynamics than the conditions that led to the housing crisis.\u201d<\/em><\/p><\/blockquote>\n

Demand for homes still outpaces supply, and unemployment remains low. And these are two key factors that will help prevent the housing market from crashing any time soon.<\/p>\n

Bottom Line<\/h3>\n

The housing market is in a much better place than it was in 2008, but it\u2019s important to remember that real estate is very local. <\/p>\n

So, it\u2019s always a good idea to stay informed about your specific market. If you have any questions or want to discuss how these factors are playing out in your area, reach out to a local real estate agent<\/a>.<\/p>\n

Source: New feed<\/p>\n","protected":false},"excerpt":{"rendered":"

You may have heard chatter recently about the economy and talk about a possible recession. It’s no surprise that kind of noise gets some people worried about a housing market crash. Maybe you\u2019re one of them. But here\u2019s the good news \u2013 there\u2019s no need to panic. The housing market is not set up for […]<\/p>\n","protected":false},"author":1,"featured_media":6042,"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-6041","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":"\nTwo Reasons Why the Housing Market Won\u2019t Crash—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\/two-reasons-why-the-housing-market-wont-crash\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Two Reasons Why the Housing Market Won\u2019t Crash—NWI Loan Guy Blog\" \/>\n<meta property=\"og:description\" content=\"You may have heard chatter recently about the economy and talk about a possible recession. 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