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The Fed Just Admitted It… They Can’t Fix the Housing Market

2025-12-22 Education
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Minority Mindset
Minority Mindset
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Top Comments (10)

@yl6128 2025-12-22

the mortgage rate isn't what determines affordability anymore. it's also the cost of property tax, home insurance, hoa, maintenance, water bill, electric bill, sewage, garbage - all of which will increase due to inflation.

318 31 replies
@KingJRZJ 2025-12-22

There is no shortage of homes for sale. The housing prices are just too high for most people. Investors have ruined the market. The federal government is actually going after some firms for buying/ consolidating building companies then purposely slowing down construction of new homes to artificially raise the price of those homes which has had a chain effect across the country. In my state I've seen houses sit on the market for more than 5 years because some investor bought them and won't drop the price even though they've never stepped a foot on or inside the property.

160 1 replies
@TylerNormandin 2025-12-22

Builders in my area are not building starter homes anymore. They are all either 700k and up colonials or large apartment complexes. This is the new normal for the housing market.

72 8 replies
@RobinsonNewton-p3h 2025-12-24

Same here. I didn't get any financial education growing up. I started at 45, overwhelmed and embarrassed. Two years later, I'm finally debt-free after paying off $176k. My net worth “ isn't crazy, but it's stable - around $880k. And honestly, that stability feels like a blessing.

64 1 replies
@rays8277 2025-12-22

What u are forgetting is that they are building the houses but investors are getting a percentage of those houses in a new subdivision and renting them out, which shrinks the house inventory as well, which increases the value.

63 3 replies
@rickhall517930 2025-12-22

A 6% mortgage rate is only high because the price of real estate is absurd and wages are not keeping up.

51 4 replies
@yl6128 2025-12-22

when the government says they are here to help, you're cooked.

42 2 replies
@markamark123 2025-12-22

thank you random guy on youtube

25
@MinorityMindset 2025-12-18

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18 6 replies
@monapharms2 2025-12-22

If a home cost over 400k and the average person makes 60k it doesn’t matter what the interest rates are, the house is not affordable. Luckily I purchased my home in 2003 and it is paid off. I refuse to purchase another home.

14 1 replies

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