Understanding the U.S. Housing Market Structure – Why It Matters Now

The U.S. housing market is a beast of its own—driven by a mix of demand-supply imbalance, investor activity, institutional ownership, and Fed policy.

Key Layers of the Market:

Primary Market: New builds, sold by developers/builders.

Secondary Market: Resales of existing homes (dominant share).

Mortgage Market: Powered by Fannie Mae, Freddie Mac, and private lenders.

Institutional Buyers: Hedge funds and REITs are snapping up inventory—reducing availability for regular buyers.

Policy Influence: Fed interest rates dictate mortgage affordability—higher rates = cooling demand.

With inflation still a concern and rates elevated, the housing market is under pressure. Will prices crack—or will supply shortages keep them propped up?

Could blockchain-based real estate be the disruptor this market needs?

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