#USHouseMarketStructureDraft **#USHouseMarketStructureDraft**

The U.S. housing market is shaped by supply-demand dynamics, interest rates, and economic policies. Low inventory and high demand have driven prices up, while rising mortgage rates (due to Fed hikes) cool buyer activity. Key factors include:

- **Affordability Crisis** – Prices outpace wage growth, pricing out first-time buyers.

- **Construction Shortages** – Labor and material costs limit new builds.

- **Investor Influence** – Corporate buyers dominate some markets, reducing available homes.

- **Policy Impacts** – Zoning laws, tax incentives, and FHA loans shape accessibility.

The Fed’s rate decisions and government housing programs (e.g., down payment assistance) aim to balance stability and affordability. Experts debate solutions like modular housing, zoning reforms, and rent controls to ease pressures. #USHouseMarketStructureDraft