#USHouseMarketStructureDraft

The housing market in the United States is a fundamental pillar of the national economy, representing a significant part of GDP and being determinant in the financial stability of households. This draft analyzes its structure, the main actors, current dynamics, and key challenges.

2. Main Components of the Market

• Demand: Driven by population growth, mortgage rates, household income, and consumer confidence.

• Supply: Affected by land use regulations, construction costs, availability of land, and labor.

• Rental Market: A complement to the ownership market, with increasing prominence in urban centers.

• Financing: Mainly through mortgages backed by entities such as Fannie Mae, Freddie Mac, and private lenders.