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Housing Shortage Driving Price Surge
Description
Housing shortages, not just high prices or mortgage rates, are the real culprit behind today’s brutal home-buying market—Zillow says we need nearly five million new homes just to catch up. With supply lagging demand for years, even sellers face steep premiums when buying next, and private listings further shrink public options—especially for communities of color. The fix? Policy shifts like loosening zoning laws and expanding ADUs to boost affordable housing. In the meantime, savvy buyers can shop lenders, snag rate discounts, or buy points to slash long-term costs while the system evolves.
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