#USHouseMarketStructureDraft

The U.S. housing market consists of buyers, sellers, real estate agents, lenders, and government entities. Key segments include homeownership, rentals, and mortgage finance. Supply is influenced by construction, zoning, and material costs, while demand depends on demographics, interest rates, and economic conditions. Government policies and financial institutions like Fannie Mae and Freddie Mac shape access and affordability. Recently, rising prices and limited supply have raised concerns, prompting debates on zoning reform, affordable housing, and financial accessibility for buyers and renters.