Posts from February 23rd, 2026

Let's be honest: housing has been a punch in the wallet.

Mortgage rates are higher than they were in early 2020. Home prices climbed fast. And rent has not exactly been anyone's idea of a deal either. So when a bold, angry-looking graphic shows up in your feed "proving" how unaffordable everything is, it's easy to think that's the whole story.

But it isn't.

Affordability is more than just the sales price. It's rates, wages, inventory, negotiating power, and what's happening in your specific neighborhood. And over the last several months, some of the pieces that matter most have started moving in a better direction.

So before you make a major move based on a viral chart, here's what the data is saying and how I'd translate it for real people shopping in Tampa, Riverview, Brandon, FishHawk, and Ap...

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