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PaperclipPerfector  9mo ago (text post)   3802 thread views

Small-Scale Question Sunday for August 27, 2023

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First, we dont know that the supply contracted. Certainly not over the last ten years. See data re existing home sales and new home sales

Second, I don’t know what you mean about people losing their jobs. The trend over the last 10 years has been the opposite.

Remember, we are talking about your claim that "for the last 10 years," there has been "an unusually high percent" of people unable to get mortgages.

Right. I was referring to the first graph from that Kevin Drum article: homeownership, ages 25-34. The rate plummets after 2008 for obvious reasons. That’s the unusually high percent who are not holding mortgages.

I’m not arguing against a crash (2008) and recovery (2016). I’m saying that it makes the median mortgage payment a bad indicator of affordability. It’s “remarkably stable” even when we know the housing market is freaking out.

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