#USHouseMarketStructureDraft The U.S. housing market operates as a dynamic and complex structure influenced by supply and demand, government policy, economic factors, and demographic trends. It comprises various participants, including buyers, sellers, real estate agents, lenders, developers, and government agencies. Housing types range from single-family homes to multifamily units, with regional variations in pricing and availability. Financing largely depends on mortgage lending, regulated by institutions like the Federal Reserve and supported by entities such as Fannie Mae and Freddie Mac. Market trends are shaped by interest rates, employment levels, and housing inventory, making the U.S. housing market a key component of the national economy.