{"id":85,"date":"2026-10-07T09:00:00","date_gmt":"2026-10-07T09:00:00","guid":{"rendered":"https:\/\/www.michelemovesmountains.com\/blog\/?p=85"},"modified":"2026-10-07T09:00:00","modified_gmt":"2026-10-07T09:00:00","slug":"4-questions-shaping-us-housing-affordability-https-www-michelemovesmountains-com","status":"publish","type":"post","link":"https:\/\/www.michelemovesmountains.com\/blog\/2026\/10\/07\/4-questions-shaping-us-housing-affordability-https-www-michelemovesmountains-com\/","title":{"rendered":"4 Questions Shaping US Housing Affordability | https:\/\/www.michelemovesmountains.com"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\" src=\"https:\/\/www.roomvu.com\/agent\/embed\/michele-madison\/america-housing-deflation-remotion-videos-70e4\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>There\u2019s a lot of talk right now about the questions shaping housing affordability across the US, and I\u2019m seeing the effects firsthand here in North Georgia. While recent trends hint at a cooling in housing inflation\u2014think sellers making more concessions and buyers searching for creative savings\u2014the biggest challenge remains the cost of borrowing. Treasury yields are holding steady near 5%, and average 30-year mortgage rates have climbed above the low-7% range. In just the four weeks leading up to September 13, the median monthly mortgage payment hit about $2,600, up roughly 3% from last year. That\u2019s a real pressure point for many buyers considering a move. Meanwhile, the resale market is tight, with homeowners hanging on to their low-rate loans and keeping new listings limited, while sellers still hope for those peak pandemic prices. Despite these hurdles, industry voices see this as a healthy correction toward stability\u2014not a crash. Strong equity, careful lending, and, for the well-prepared, genuine opportunities for both buyers and sellers remain. In our North Georgia mountain communities, I focus on translating these national trends into meaningful, local insight\u2014helping you navigate what\u2019s next, whether you\u2019re searching for a lakeside getaway or your full-time mountain home.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>There\u2019s a lot of talk right now about the questions shaping housing affordability across the US, and I\u2019m seeing the effects firsthand here in North Georgia. While recent trends hint at a cooling in housing inflation\u2014think sellers making more concessions and buyers searching for creative savings\u2014the biggest challenge remains the cost of borrowing. Treasury yields [&hellip;]<\/p>\n","protected":false},"author":266,"featured_media":86,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-85","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.michelemovesmountains.com\/blog\/wp-json\/wp\/v2\/posts\/85","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.michelemovesmountains.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.michelemovesmountains.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.michelemovesmountains.com\/blog\/wp-json\/wp\/v2\/users\/266"}],"replies":[{"embeddable":true,"href":"https:\/\/www.michelemovesmountains.com\/blog\/wp-json\/wp\/v2\/comments?post=85"}],"version-history":[{"count":1,"href":"https:\/\/www.michelemovesmountains.com\/blog\/wp-json\/wp\/v2\/posts\/85\/revisions"}],"predecessor-version":[{"id":87,"href":"https:\/\/www.michelemovesmountains.com\/blog\/wp-json\/wp\/v2\/posts\/85\/revisions\/87"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.michelemovesmountains.com\/blog\/wp-json\/wp\/v2\/media\/86"}],"wp:attachment":[{"href":"https:\/\/www.michelemovesmountains.com\/blog\/wp-json\/wp\/v2\/media?parent=85"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.michelemovesmountains.com\/blog\/wp-json\/wp\/v2\/categories?post=85"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.michelemovesmountains.com\/blog\/wp-json\/wp\/v2\/tags?post=85"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}