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> In other words: Houses are still way cheaper, in actual out-of-pocket terms for average people, than they were in 2008. Today's interest rates are way too low.

I don't disagree generally, but one niggle: housing prices do effect downpayment sizes, which may be a problem for people to save for if prices get too high (relative to wages).

Adjusted monthly payments are the cheapest they've been since 1989:

* https://awealthofcommonsense.com/2021/03/what-if-housing-pri...

Though, there's a lot of bidding so good luck actually landing a purchase to take advantage of these low monthly payments:

* https://awealthofcommonsense.com/2021/05/has-there-ever-been...



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