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The U.S. housing market structure is undergoing significant changes driven by economic shifts, demographic trends, and policy decisions. As interest rates fluctuate, affordability becomes a key concern for first-time buyers, while homeowners with locked-in low rates hesitate to sell, creating a supply bottleneck. Inventory remains tight in many regions, especially in growing metro areas and desirable suburbs. Additionally, institutional investors continue to impact prices by purchasing single-family homes for rental purposes, further squeezing out individual buyers. On the other hand, new construction is slowly rising, though hampered by labor shortages and material costs. Government initiatives and zoning reform could ease some of these pressures, but long-term solutions require coordinated efforts. Understanding the structure of the U.S. housing market—how supply, demand, financing, and regulation interact—is essential for buyers, sellers, and investors alike. Stay informed to make smarter decisions in this evolving real estate landscape.