$BTC The key components of the housing market:

Demand: Depends on factors such as income, employment, interest rates, and resident preferences.

Supply: Includes existing and new homes, influenced by construction costs, land availability, and regulatory policies.

Mortgage financing: Includes banks, private lenders, and government agencies such as Fannie Mae and Freddie Mac.

Regulatory bodies: Include the Department of Housing and Urban Development (HUD), the Federal Housing Administration (FHA), and the Federal Reserve.