The Next 12 Months: 6 Housing Signals I’m Watching

1) Rate trajectory. Markets expect policy easing; mortgage rates have already ticked down—watch CPI, jobs, and the 10-year Treasury.
2) Inventory shifts. Gradual improvement could unlock move-up sellers and re-balance days-on-market.
3) Payment power. Each 25 bps rate move changes affordability—buyers should keep current preapprovals.
4) Insurance & taxes. Premiums/reassessments can change total cost of ownership—underwrite them early.
5) Luxury bifurcation. Inventory up, but discerning buyers drive a premium for wellness, privacy, and sustainability.
6) Investor calculus. Debt costs vs. rent growth: yield spreads are king. Expect tighter underwriting and focus on stabilized cash flow.

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Sources (copy/paste):

• Freddie Mac PMMS: https://www.freddiemac.com/pmms and archive: https://www.freddiemac.com/pmms/pmms_archives

• MBA weekly survey: https://newslink.mba.org/mba-newslinks/2025/september//mortgage-applications-increase-in-latest-mba-weekly-survey/

• Coldwell Banker Global Luxury — Trend Report 2025: https://www.coldwellbankerluxury.com/editorial/the-trend-report-2025

• Christie’s Global Luxury Forecast 2025: https://www.christiesrealestate.com/2025-global-luxury-real-estate-forecast/