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Forum » Houses now cheaper than a year ago
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Thread: Houses now cheaper than a year ago

post 1678398643 03-05-2023, 03:44 PM
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Originally Posted By Dave22reborn⏩
You're right, never should have locked down. Right?

And why is there a mass exodus from blue states, to red states? Why can't you parasites just stay in your liberal utopias?
Why do you think blue states are so much richer with a such a higher cost of living? Because they're hellholes like red states?
Do you even economics?

LMFAO

Of course you don't. You're essentially a rookie cop after 30 years because you're lazy and stupid.

SAD
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post 1678398913 03-05-2023, 03:49 PM
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Originally Posted By Dave22reborn⏩
You're right, never should have locked down. Right?

And why is there a mass exodus from blue states, to red states? Why can't you parasites just stay in your liberal utopias?
LMAO liberals are literal cancer

They vote in moronic politicians then can't live in the very place they voted them in and move to a red state and rinse and repeat
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post 1678398923 03-05-2023, 03:49 PM
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Originally Posted By Dave22reborn⏩
And now they're at 8%.
They're barely above 6%. They were well above 6% from at least 1970 through 2002.
post 1678398943 03-05-2023, 03:49 PM
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Originally Posted By SillieBazzillie⏩
That' what happens when an oragne moron adds $8T to the debt, cuts taxes, and cries to the Fed to keep rates near 0.

This is what your stupid ass voted for.
^Typical politically obsessed response. And void of truth. Tax cuts were a few years before Covid. LOL at thinking a President convinces the Federal Reserve to lower rates.

After the 2000 mild recession and after fear 9/11 would have against the economy the Federal Reserve lowered rates massively in the early 2000s, which laid much of the foundation for the housing bubble we had in the 2000s. And again when the last bubble popped.The effective Federal Fed Funds Rate was 0% from 2009 to early 2016during which banks made lots of dough. Housing prices were growing faster than normal even before Covid, BTW.








Try again. I don't want this to be retarded partisan finger pointing of presidential politicking, so that's all I'm going to add.
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post 1678399173 03-05-2023, 03:52 PM
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Originally Posted By SillieBazzillie⏩
That' what happens when an oragne moron adds $8T to the debt, cuts taxes, and cries to the Fed to keep rates near 0.

This is what your stupid ass voted for.
Trump left officeover two years ago. A President can't spend a single dollar without prior Congressional authority (well, except for Biden's ridiculous vote-buying stunt to spend $400+ Billion on student loans). Holy hell, is Biden so incompetent in your eyes, that he has zero control over everything you blame Trump for?
post 1678399543 03-05-2023, 03:58 PM
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Originally Posted By nutsy54⏩
They're barely above 6%. They were well above 6% from at least 1970 through 2002.
6.65% per the chart you shared. Over 7% as the Federal Reserve raises their funds rate more. Basically headed to the same rates as the 1990s. But with prices having gone up 40% in two years that's a hell of a combination. Especially with inflation elsewhere pinching people's wallets.
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post 1678399863 03-05-2023, 04:02 PM
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Originally Posted By nutsy54⏩
They're barely above 6%. They were well above 6% from at least 1970 through 2002.
Sure guy, passed up a Bank yesterday and the advertisement for a 30 year mortgage was 7.86% interst rates
post 1678399953 03-05-2023, 04:04 PM
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Originally Posted By SillieBazzillie⏩
Why do you think blue states are so much richer with a such a higher cost of living? Because they're hellholes like red states?
Do you even economics?

LMFAO

Of course you don't. You're essentially a rookie cop after 30 years because you're lazy and stupid.

SAD
Why are businesses and people leaving blue states for red states? Real simple question.
post 1678399993 03-05-2023, 04:04 PM
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Originally Posted By LogicalLifts⏩
Houses are cheaper, and buying is down as rates are high(er). But you can't universalize for the entire country - it is uninformative as regards real estate markets. The fact is, many folks don't / won't need to sell, so dips in housing prices matter not at all.

Sometimes I wonder if the "housing market" crew here is really a construction firm employee who are used to having wildly lucrative contracts pouring out the wazoo, who panics any time the contract pace slows. *shrug*
So you're not familiar with velocity of money then. No need to universalize the entire country, there's plenty of data for every metro area. Who cares if the prices go up in a schithole rust belt city where prices go from $130K to $140K when prices in large cities drop by hundreds of thousands? If you don't get it, you don't get it. That's fine.
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post 1678400063 03-05-2023, 04:05 PM
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Originally Posted By nutsy54⏩
Trump left officeover two years ago. A President can't spend a single dollar without prior Congressional authority (well, except for Biden's ridiculous vote-buying stunt to spend $400+ Billion on student loans). Holy hell, is Biden so incompetent in your eyes, that he has zero control over everything you blame Trump for?
Who signed the bills adding $8T to the debt? Who bullied the FED so they LOWERED rates in 19. Do you think rates should have been LOWERED in 19 during supposed "booming" times?

And yes, the Trump tax cuts flooded society with more dollars chasing the same number of goods = inflation.

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post 1678400123 03-05-2023, 04:06 PM
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Originally Posted By frankdtank20⏩
6.65% per the chart you shared. Over 7% as the Federal Reserve raises their funds rate more. Basically headed to the same rates as the 1990s. But with prices having gone up 40% in two years that's a hell of a combination. Especially with inflation elsewhere pinching people's wallets.
Can't even imagine being a real estate agent right now.

And Zoomers are pretty much broke, hell, good chunk of them don't even own a car and will probably live at home till they're 35.
post 1678400153 03-05-2023, 04:07 PM
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Originally Posted By Dave22reborn⏩
Why are businesses and people leaving blue states for red states? Real simple question.
Because red states chit holes are cheap AF and some folks who've experienced the city life would like to try something new. Unlike the red state bumpkins who can't afford to move to blue states, blue state successful folks like me can live anywhere.

You understand rookie 30 year cop?
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post 1678400173 03-05-2023, 04:07 PM
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Originally Posted By frankdtank20⏩
So you're not familiar with velocity of money then. No need to universalize the entire country, there's plenty of data for every metro area. Who cares if the prices go up in a schithole rust belt city where prices go from $130K to $140K when prices in large cities drop by hundreds of thousands? If you don't get it, you don't get it. That's fine.
There is plenty of data for metro areas, and how many times do you continue to hear "rents are going up" to understand that even if there is a pricing dip, it doesn't affect home owners unless they have to sell?

You didn't address the substance of my post, nor many posts in this thread to show that you're on the hyperbole side of things, not the analytical. It's something thatyoucan't seem to get, whether in this sub-forum or in the main Misc.
post 1678400363 03-05-2023, 04:11 PM
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Originally Posted By frankdtank20⏩
6.65% per the chart you shared. Over 7% as the Federal Reserve raises their funds rate more. Basically headed to the same rates as the 1990s. But with prices having gone up 40% in two years that's a hell of a combination. Especially with inflation elsewhere pinching people's wallets.
I assume that the rates in the US follow the same rules as the UK, in that they generally sit at 1.5-2% over base.

UK rates spiked to over 8%, but they are back down to just over 6 (base rate of 4), which is slightly high due to uncertainty.

US rate should be half a point higher as the base rate is half a point higher.
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post 1678400383 03-05-2023, 04:12 PM
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Originally Posted By frankdtank20⏩
At this same time in 2022 and 2021 prices were starting to go up. Now they're not merely way below last summer's median peak. After a big drop in the second half of last year prices were still hanging on, still slightly higher YoY for these last few months. But the data shows now prices are down 3% YoY. $11K cheaper than this same time last year. The difference between last summer and this summer will be very big, much bigger than $11K.


https://www.redfin.com/news/data-center/

That bright blue line is a little scary so far.
Prices normally go up a bit in the warmer months, but not like they did at record pace in 2021 and 2022. So odds are prices compared toright nowwill go up slightly in the coming spring and summer.But even if they do prices will be 8-10% lower than last summer.Yikes. The Federal Reserve said more rate hikes are coming to tame inflation, double yikes. And nomeaningfulrate cuts are coming even if we get a recession. What's a future 0.5% drop after it's been raised by 5% already? I'd bet by the end of the year prices will not only be below 2022 prices, they'll be below 2021 prices, which would erase most of the gains of the Covid bubble.

Please don't comment with 'rentcel' or 'mortgagecel' nonsense. The big picture is what effects this will have on the economy at large. With people refinancing homes they've had awhile at 3% mortgage rates, they aren't moving this year. Demand will be in the schitter. So even if supply is low, demand will be even worse the rest of this year.
11k? Chit...My home lost 400k in value in less than year. Not to mention my retirement accounts. Guess I'll be holding off on early retirement and leaving this blue chithole state until Trump becomes president again. Thanks Joe...
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post 1678400923 03-05-2023, 04:22 PM
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Originally Posted By SillieBazzillie⏩
Because red states chit holes are cheap AF and some folks who've experienced the city life would like to try something new. Unlike the red state bumpkins who can't afford to move to blue states, blue state successful folks like me can live anywhere.

You understand rookie 30 year cop?
Maybe they're tired of the crime and high taxes? I mean, you can laugh and be smug all you want but explain this for example.

New York's millionaire exodus: 1,453 taxpayers earning more than $25M fled the state in 2021 - 520 fewer than departed during the height of the pandemic, new figures show

https://www.google.com/amp/s/www.dai...tate-2021.html

Young people earning $100,000 or more are fleeing California and New York—here's where they're going

https://www.google.com/amp/s/www.cnb...-new-york.html

Those with wealth are leaving blue states for red states.
post 1678401073 03-05-2023, 04:25 PM
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Originally Posted By LogicalLifts⏩
There is plenty of data for metro areas, and how many times do you continue to hear "rents are going up" to understand that even if there is a pricing dip, it doesn't affect home owners unless they have to sell?

You didn't address the substance of my post, nor many posts in this thread to show that you're on the hyperbole side of things, not the analytical. It's something thatyoucan't seem to get, whether in this sub-forum or in the main Misc.
Ooh, somebody's mad because he got called out for ignorance. I responded to you spot on and added extra, and it had little to do with actual prices. Maybe the extra details threw you off. I'll put it in simpler terms while repeating myself: less homes being sold (disregard price) has a negative effect that spreads across multiple other industries. Builders slow down, there are less mortgage and insurance policies written, and more. That's the "economy at large" you were asking about. That's my main concern actually, I don't care what prices do in the next couple of years. It's a necessary pain to bring back sanity in the market of course and the country will be better off after it's over (several years from now).

I have no idea what you're on about in your second paragraph.
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post 1678401383 03-05-2023, 04:32 PM
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Originally Posted By GuineaDago585⏩
Yet my landlord is raising rent by 10% when it’s time to renew the lease lmao.
Landlord crew here.. He's doing that because he can.

You have another really good option right under your nose though.. Big clue for you in the thread title.

"Houses now cheaper than a year ago..."
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post 1678401563 03-05-2023, 04:35 PM
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Originally Posted By DeshaunWatson⏩
Wait for the layoffs and then the dominos will fall.
this.
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post 1678401983 03-05-2023, 04:42 PM
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Ok. Now do interest rates.
post 1678402993 03-05-2023, 04:58 PM
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Originally Posted By frankdtank20⏩
Ooh, somebody's mad because he got called out for ignorance. I responded to you spot on and added extra, and it had little to do with actual prices. Maybe the extra details threw you off. I'll put it in simpler terms while repeating myself: less homes being sold (disregard price) has a negative effect that spreads across multiple other industries. Builders slow down, there are less mortgage and insurance policies written, and more. That's the "economy at large" you were asking about. That's my main concern actually, I don't care what prices do in the next couple of years. It's a necessary pain to bring back sanity in the market of course and the country will be better off after it's over (several years from now).

I have no idea what you're on about in your second paragraph.
You mean, your face is red because you're throwing phrases around that you do not understand. As you have in my threads, where you cry (literally) and go on rants about the "arguments" between Landlords(me) and rentcels (you).

On the rest: the effect you perceive to be so large is affected by your bias (desire) for it to be the case. Yet it is not the case, at least where I am. You have tried to post charts about NYC as well, and it is severe cope - even folks I know paying 7k/month had theirs spiked to 8200/month, and houses that were 1.4m for a chitty roach infested townhouse are the same.

But please, regale the forum from your educated viewpoint. LOL
post 1678403563 03-05-2023, 05:07 PM
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Originally Posted By Bushmaster⏩
Landlord crew here.. He's doing that because he can.

You have another really good option right under your nose though.. Big clue for you in the thread title.

"Houses now cheaper than a year ago..."
Didn't they try this in anther thread trying to demonize landlords?

I mean, if nobody is renting from this landlord, because he's charging to high of a rent, then it's a loss on his/her part.

In fact, I deal with numerous calls in the ghetto involving landlords and **** tenants either not paying rent, or refusing to let them in for repairs.

I swear, if I was one, I'd only rent out to city workers that need to actually live in the city.
post 1678404543 03-05-2023, 05:26 PM
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Originally Posted By nutsy54⏩
Mortgage rates have been historically low for the past 20 years or so...
https://fred.stlouisfed.org/series/MORTGAGE30US
dumbest argument there is.

ok, may be true, whilke prices have now hit a historical record along with "historically low" rates.

if thats the case, why is a mortgage a subject house now $3700 when, two years ago, it was $1900/mo.

no one gives a rats *** how low rates seem to be. its about affordability which is at an all time low.
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post 1678404783 03-05-2023, 05:31 PM
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I read that home prices are mainly dropping in places were crime levels are high. California was one example highlighted.

I guess here in Florida home prices are remaining high. I'm a bit surprised that homes remain high priced where I live in Florida as we were struck by a hurricane in the fall. I heard once again the other day in a round about way that real estate agents are still busy, and selling homes quickly.
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Originally Posted By LogicalLifts⏩
You mean, your face is red because you're throwing phrases around that you do not understand. As you have in my threads, where you cry (literally) and go on rants about the "arguments" between Landlords(me) and rentcels (you).

On the rest: the effect you perceive to be so large is affected by your bias (desire) for it to be the case. Yet it is not the case, at least where I am. You have tried to post charts about NYC as well, and it is severe cope - even folks I know paying 7k/month had theirs spiked to 8200/month, and houses that were 1.4m for a chitty roach infested townhouse are the same.

But please, regale the forum from your educated viewpoint. LOL
You have me mixed up for somebody else. I never go on rants about landlords or rentcels. If you've made threads about real estate, I'm unaware. I don't know if I've ever responded to any posts you've made on any subject before. Whoever you're addressing sounds like a pain in the ass though. You okay?
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post 1678404933 03-05-2023, 05:33 PM
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post 1678405043 03-05-2023, 05:35 PM
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Originally Posted By frankdtank20⏩
You have me mixed up for somebody else. I never go on rants about landlords or rentcels. If you've made threads about real estate, I'm unaware. I don't know if I've ever responded to any posts you've made on any subject before. Whoever you're addressing sounds like a pain in the ass though. You okay?
I'm doing great, thanks. But since you can't even remember your own posts, here's a refresher:
Originally Posted By frankdtank20⏩
Were there lots of hate threads like these back in 2007-08? If you bought in 2021-22 prepare to get comfortable with the termnegative equity.Locally prices went way up. This time last year sellers were getting way over asking prices, now everyone's selling below asking.

In a nearby county prices just dropped 17% from June to August. The entire metro area as a whole will probably see an average of 20-30% decrease in home values.

So the very average homes purchased for $500K this past summer will be worth $350-400K in 2025.
Feel free to click through that thread again. Are you ok? You seem to think that those of us who are *haves*hatethe *have-nots*. But we don't - you fund our economic growth.

Thanks for that.
post 1678406213 03-05-2023, 05:58 PM
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Originally Posted By LogicalLifts⏩
I'm doing great, thanks. But since you can't even remember your own posts, here's a refresher:



Feel free to click through that thread again. Are you ok? You seem to think that those of us who are *haves*hatethe *have-nots*. But we don't - you fund our economic growth.

Thanks for that.
Where's the part of my ranting about landlords vs rentcels? I said prices people paid in 2021-22 on average would go down because duh. I bought in 2019 thankfully so I should be unaffected. I don't keep threads or posts of mine or anybody else's bookmarked to respond back and post 3 minutes after someone responds to me so I don't know whatever thread that is from. You seem to be making this topic like a personal attack against yourself for reasons unknown. Do you make lots of threads on this subject? So you're a landlord, cool. I hope you pick up 5 more properties and make lots of dough. You okay?
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post 1678407783 03-05-2023, 06:28 PM
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Originally Posted By Dave22reborn⏩
Didn't they try this in anther thread trying to demonize landlords?

I mean, if nobody is renting from this landlord, because he's charging to high of a rent, then it's a loss on his/her part.

In fact, I deal with numerous calls in the ghetto involving landlords and **** tenants either not paying rent, or refusing to let them in for repairs.

I swear, if I was one, I'd only rent out to city workers that need to actually live in the city.
Dude, you have no idea lol.

Landlords are the scourge of the fuking earth to rentcels. I've seen it a thousand times... "Life is hard and people need a break sometimes! Rage!"

Yeah, maybe... but that doesn't mean *I* have to be the one who gives it to them, nor will the bank ever give me one. Pay your rent on time and we'll get along just fine - and it is literally that simple.
It's a hot night. The mind races. You think about your knife: the only friend who hasn't betrayed you, the only friend who won't be dead by sunup. Sleep tight mates, in your quilted chambray night shirts.
post 1678409393 03-05-2023, 06:58 PM
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#60
  1. LogicalLifts
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  1. LogicalLifts
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Originally Posted By frankdtank20⏩
I don't know whatever thread that is from.
Just click the link to follow your post there. You consider them quote "hate threads", so you're clearly stressed by the fact that there are haves, and have nots. Hence your inability to reply to anyone else ITT aside from me.

You got called out - it's okay, you use phrases you're not familiar with to generate hyperbole. Get well soon.
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