#USHouseMarketStructureDraft

In recent years, the U.S. housing market has undergone significant transformations that have affected supply and demand, due to multiple economic and social factors. One of the most prominent of these factors is the rise in interest rates, which has made mortgage loans more expensive, thereby reducing demand for purchases, especially from first-time buyers.

Conversely, supply remains limited due to a decrease in new home construction, and current homeowners are holding onto their properties to benefit from previous low interest rates. This disparity between supply and demand has led to rising home prices in some states, while remaining stable or declining in others.

The U.S. Federal Reserve plays a crucial role in guiding this market through its decisions related to monetary policy. Any change in interest rates can completely alter the equation. As investors and citizens await any future indicators, the draft housing policy remains a key factor in determining the upcoming market features.