Tag: housing market
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School districts drive prices more than value
School district boundaries can add 20% or more to a home’s price, often without delivering proportional educational gains. Here’s what the data actually shows.
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Homeowners insurance is collapsing in climate-exposed states and nobody has a plan
Insurers are leaving Florida, California, and Louisiana faster than the housing market can absorb. The collapse of climate-exposed coverage has no real fix in sight.
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The 6% commission cartel survived the NAR settlement, and here’s how
The NAR settlement was supposed to break the 6% real estate commission. Months later, prices have barely moved. Here’s the workaround the industry built.
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Cash buyers are ruining the market for everyone else
Cash offers tilt the housing market against ordinary buyers in ways that aren’t fully captured by price. Here’s how the real damage happens.
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House poor is the default state of American homeownership
Most Americans buying homes in the current market end up house poor by design. Here’s how the math, the lenders, and the culture conspire to make it normal.
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The starter home is dead and we should stop pretending otherwise
The starter home as a concept no longer exists in most American markets. Pretending it does just sets first-time buyers up for disappointment.
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Your house is not an investment, it’s a forced savings account with bad returns
Treating your home as an investment hides poor returns and high costs. The forced-savings framing is more honest and changes how you should buy.