Treasury Secretary Scott Bessent said the U.S. housing market is one subset of the economy that may be in recession because of high interest rates as he continues to call for the Fed to cut rates. Bessent said in an appearance on CNN that he thinks "we are in good shape, but I think that there are sectors of the economy that are in recession," adding that "the Fed has caused a lot of distributional problems with their policies."The treasury secretary went on to say that "if the Fed brings down mortgage rate ...

2026年房地产市场展望 - 预计2026年抵押贷款利率将下降，房地产市场将比过去两年更为平衡[1][2] - 通胀率已从2022年峰值显著回落至同比约3%，但仍高于美联储2%的目标，若此趋势持续，美联储可能在未来一年进一步降息[2] - 尽管利率下降可能在一定程度上改善可负担性，但房价和有限的库存仍将使市场竞争保持强劲[3] 购房者财务准备策略 - 潜在购房者应在2026年前参加由美国住房和城市发展部批准的家庭购买者教育课程，以了解流程并增强信心[4][5] - 购房者需仔细审视预算，了解舒适的月供范围，并考虑如育儿、学费或购车等重大未来开支[7] - 除首付款外，购房者还需为房产税、房屋保险和过户费用等隐性成本做好准备，这些成本会快速累积[7][8] - 建议在申请抵押贷款前至少用六个月进行财务准备，包括检查信用报告、偿还债务和保持低信用卡余额[8][9] 低首付购房方案 - 储蓄20%首付款并非硬性要求，联邦住房管理局贷款首付可低至3.5%，符合VA贷款资格者可实现零首付[10][11] - 许多贷款机构提供低首付项目，州住房机构也常提供补助或低成本贷款以减轻首付负担[11] 购房时机与决策重点 - 试图把握市场时机几乎不可能，利率总会波动，等待完美时机可能意味着错失机会[12][13] - 决策应基于个人和财务的准备情况，若在2026年找到符合预算和生活方式的房屋，不应因对未来利率的猜测而却步，后续再融资始终是一个选项[13] - 最明智的做法是将购房视为长期财务决策，专注于可控因素如信用、储蓄和债务，并为不可控因素做好准备[14] 2026年购房财务规划 - 专家建议储蓄房屋购买价的2%至5%用于支付过户成本，此外还需准备首付款[17] - 若希望降低月供，应储蓄更高额的首付款，同时还需考虑搬家、家具和维修应急基金等费用[17] - 若能在过户日前储蓄相当于三到六个月开支的资金，将能更好地应对成为业主初期的意外情况[18]

Albert Lea is ranked as the best retirement town for the middle class in America, with 42% of the households receiving Social Security benefits and 27% of households receiving retirement income. It’s a beautiful location, surrounded by lakes and numerous outdoor opportunities for active seniors.Illinois has the priciest city listed: The cost of living in Huntley is $48,184, the highest in the top 50. Compare that to the lowest: $29,333 in yearly expenses to live in Albert Lea, Minnesota.Florida boasts the h ...

One reason home prices have skyrocketed this decade is there’s so much competition for a limited supply of available homes. This is especially true in markets where everyday house hunters have to compete against investors looking to profit from their purchases. Trending Now: 5 Cities Where Homes Will Be a Total Steal in 2 Years Read Next: How Middle-Class Earners Are Quietly Becoming Millionaires — and How You Can, Too The number of investors gobbling up homes remains at “historically high levels” in 2025 ...

LOS ANGELES (AP) — The number of U.S. homes that typically change hands as people relocate for work, retire or trade-up for more living space hasn't been this low in nearly 30 years. About 28 out of every 1,000 homes changed hands between January and September, the lowest U.S. home turnover rate going back to at least the 1990s, according to an analysis by Redfin. The home turnover rate represents the number of homes sold, divided by the total number of existing sellable properties. While sales data show ...

Prospective homebuyers have seen a small improvement in market conditions lately. However, the landscape is still pretty bleak, with rates elevated and economic uncertainty high. Sign up for Business Insider's daily markets newsletter here. Aspiring home owners have been waiting anxiously for the market to thaw, but while home sales rose in August, one firm thinks the market is likely to be stuck in the "dark ages" for a while still. Economic intelligence firm Pantheon Macroeconomics recently laid ...

住房市场整体表现 - 9月美国成屋待完成销售指数环比8月持平 但同比下降0.9% [1] - 市场此前预期为增长1% 而8月曾录得更大涨幅 [1] - 该指数基于已签署的销售合同进行计算 [1] 区域市场与利率环境 - 9月期间30年期固定抵押贷款平均利率在6.4%至6.5%之间 高于当月的6.1% [2] - 区域表现分化 东北部和南部销售上升 中西部和西部销售下降 [2] 库存与宏观经济因素 - 住房库存量已攀升至五年高点 但历史角度看仍处于紧张状态 [3] - 尽管9月股市创历史新高且住房财富增长 但可能疲软的就业市场抵消了积极影响 [3]

A "Sale Pending" sign in front of a home in Pinole, California. Pending sales of existing US homes stalled in September, suggesting anxiety about the job market kept potential buyers sidelined despite a welcome easing in mortgage rates. Most Read from Bloomberg An index of contract signings held at 74.8 after climbing a revised 4.2% a month earlier to the highest level since March, according to National Association of Realtors data released Wednesday. Economists expected a 1.2% increase, based on the med ...

房地产市场趋势 - 8月份成屋价格中位数为422,400美元，较6月创下的历史高点有所下降 [1] - 全国房价同比增长率仅为1.5%，为两年多来最弱的年度增幅 [2][3] - 美国20大都会区房价同比涨幅显著放缓至1.6%，低于前月的1.8%增幅 [3] 房价增长与通胀对比 - 1.5%的房价年增长率低于当前3%的通胀率 [3] - 通胀率超过房价增长率，导致房主的住房财富在实际意义上受到侵蚀 [6] - 价格增长以通胀率一半的速度运行，表明近年来的快速升值已结束 [7] 对购房者的影响 - 房价增长缓慢对于有意购房者而言可能是好消息，因其近年来一直应对快速上涨的房价 [4] 对房主的影响 - 对多数美国家庭而言，房屋是最大的金融资产和主要财富来源 [5] - 全国住房自有率为65%，拥有房屋的人数多于持有股票的人数（股票持有比例为43%） [5][6] - 房主正在目睹其实际权益受到侵蚀，若趋势持续可能影响其财务幸福感并调整支出模式 [7]

房价增长趋势 - 美国20个最大都会区的房价增长持续放缓 [1] - 高抵押贷款利率和高房价使住房市场承压 [1]