Tom qab 2 xyoo cua daj cua dub ntawm 'moonshot' tus nqi tsev, tsis txhob cia siab rau qhov kev kho loj. Vim li cas COVID-era cov cuab yeej muaj nuj nqis tuaj yeem nyob ntawm no.

Kev them taus tseem yog qhov nyuaj. Tus nqi muag nruab nrab ntawm tsev yog $428,700 hauv thawj peb lub hlis twg ntawm 2022, nce 30% los ntawm $329,000 Hauv thawj peb lub hlis twg ntawm 2020. Cov nqi tsev qiv nyiaj tau nce los ntawm 2.75% thaum lub caij nplooj zeeg rau 30-xyoo ruaj mus rau ntau dua 5.25%. Redfin
RDFN,
+ 6.63%
kwv yees tias 8.2% ntawm cov tsev yog tus nqi ntawm $ 1 lab lossis siab dua, sib npaug rau 6 lab lub tsev, nce los ntawm 3.5 lab lub tsev, lossis 4.8% ntawm lub teb chaws cov khoom vaj khoom tsev, ob xyoos dhau los.

Tus nqi kis thoob ntiaj teb, raws li lawv tam sim no sawv, tej zaum yuav nyob ntawm no. Greg McBride, tus kws tshuaj ntsuam nyiaj txiag ntawm tus kheej-nyiaj txiag site Bankrate.com hais tias "Nws yog qhov ua tau tag nrho cov nqi tawm thiab tsuas yog tsis hloov pauv ntau rau ob peb xyoos tom ntej no," "Qhov no yuav muaj txiaj ntsig zoo rau cov neeg yuav khoom thawj zaug los ntawm kev tso cai rau lawv cov nyiaj tau los 'ntau' rau tus nqi ntawm cov tswv tsev me ntsis, tab sis qhov no yuav nthuav dav li 2 mus rau 4 xyoo, tsis yog 2 mus rau 4 lub hlis tom ntej."

"Cov nqi tsev tau ua kua muag. Tus nqi muag khoom nruab nrab ntawm tsev yog $ 428,700 hauv thawj peb lub hlis twg ntawm 2022, nce 30% los ntawm $ 329,000 hauv thawj peb lub hlis twg xyoo 2020."

— YouGov

McBride ceeb toom tias yuav yog cov neeg yuav khoom uas cia siab rau kev kho tus nqi tseem ceeb. Nws tau hais tias "Cov neeg muag khoom tau tso tsev nyob rau hauv kev ua lag luam thiab nug tus nqi ntawm lub hli," nws hais. "Nyob hauv ib cheeb tsam uas cov tsev muag tau $ 600,000 ib xyoos dhau los, ib tus neeg muag khoom tam sim no tau nug txog $ 800,000. Tseeb, tej zaum lawv yuav xav tau txiav tus nqi me ntsis thiab thaum kawg muag rau hais tias, $ 725,000, tab sis qhov ntawd tseem ntau dua li $ 600,000 nws yuav tau muag rau ib xyoos dhau los. "

Tsuas yog 6% ntawm cov tswv tsev tau hais tias lawv lub tsev tau poob qis rau xyoo tas los, raws li kev tshawb fawb ntawm 1,000 tus neeg laus los ntawm YouGov. Realtor.com lub hli tas los cov ncauj lus kom ntxaws nruab nrab ntawm lub tsev-tus nqi poob, uas yog me me los ntawm cov qauv kev lag luam loj. Cov kev poob qis no tau tshwm sim nyob rau hauv kev sib cav uas twb muaj cov hnab ris nyuaj nyob ib ncig ntawm Teb Chaws Asmeskas Ntawm qhov poob loj tshaj plaws yog Toledo, Ohio (qis 18.7% txij li xyoo 2021), Rochester, NY (qis 17%) thiab Detroit, Mich. (qis 15.4%).

(Realtor.com yog ua haujlwm los ntawm News Corp cov chaw haujlwm Move Inc., thiab MarketWatch yog ib chav tsev ntawm Dow Jones, kuj yog ib feem ntawm Xov Xwm Corp.
NWS,
+ 2.61%.
)

Rod Smyth, tus thawj coj ntawm pawg thawj coj ntawm RiverFront Investment Group, tus thawj coj thoob ntiaj teb cov cuab yeej cuab tam, ntseeg tias cov nqi tsev nyob ntawm lossis ze rau lub ncov, thaum cov nqi yuav poob rau hauv kev lag luam uas xav tau ntau dhau. "Txawm li cas los xij, vim muaj kev xav tau zoo / kev xav tau peb ntseeg tias kev lag luam feem ntau yuav 'xeb' ntau dua li 'tawg'," nws hais. "Los ntawm xeb, peb txhais tau tias tus nqi nominal (tsis hloov kho rau kev nce nqi) tuaj yeem poob qis me ntsis lossis nyob ib puag ncig tam sim no rau ntau xyoo."

Qhov ntawd tsis tau hais tias tsis muaj qhov pheej hmoo tseem ceeb ntawm kev kho, tshwj xeeb yog Tsoom Fwv Teb Chaws Reserve sim ua txoj cai loj ntawm kev nce nqi paj tsis tau thawb kev lag luam mus rau kev lag luam poob qis. Tau kawg, tsis muaj kev pom zoo meej txog ntev npaum li cas lossis loj npaum li cas kev lag luam yuav muaj. Raws li Greg Handler, tus thawj coj ntawm kev qiv nyiaj thiab cov neeg siv khoom siv credit ntawm Western Asset Management, hais rau MarketWatch: “Koj puas tuaj yeem pom kev kho, lossis kev kho dua? Kuv xav tias muaj qee qhov kev pheej hmoo ntawm qhov ntawd. "

Contrary to the 2008 real-estate crash, Bob Griffith, general manager, home services at Houwzer Mortgage, a real-estate and mortgage brokerage headquartered in Philadelphia, hais tias cov qauv qiv nyiaj tseem siab. "Cov tswv tsev tau tsim kev ncaj ncees vim kev lag luam vaj tsev kub thiab tuaj yeem nqus qhov kev poob siab me me hauv qhov tsis zoo li muaj cov cheeb tsam hauv Teb Chaws Asmeskas uas cov nqi tsev nyob hauv tsev lossis txo qis rau lub sijhawm. Cov tswv tsev uas muaj credit zoo thiab kev ncaj ncees hauv lawv lub tsev yuav tsis xa cov yuam sij rau lawv cov qiv nyiaj thiab taug kev mus. "

Kev nce nqi thiab nqi tsev, lub sijhawm no, tau kaw ntau tus neeg yuav tsev thawj zaug tawm ntawm lub tsev lag luam. Griffith tau hais tias "Cov nqi tsev kho mob tau hloov pauv tsis ntev los no mus rau thaj tsam ntawm 5.25% mus rau 5.50%, tom qab nce txog 1.25 cov ntsiab lus txij li lub Peb Hlis lig," Griffith tau hais. "Thiab lub lim tiam dhau los, peb tau pom qhov qhia tias tus nqi tsev yuav nyob ruaj khov, vim tias cov khoom muag ntawm cov tsev muag khoom tau nce thiab feem pua ​​​​ntawm cov tsev yuav tsawg dua li daim ntawv teev nqi nce. Cov kev txhim kho no, yog tias lawv txuas ntxiv, yuav pab cov neeg yuav khoom tshiab tab tom nrhiav nkag rau hauv kev lag luam vaj tsev. "

Qee cov ntaub ntawv txhawb nqa ntxiv: Ntau tshaj li ib nrab (58%) ntawm cov neeg Amelikas tau hais tias lawv muaj tsev, thiab ze li 30% tau tshaj tawm tias lawv yeej muaj lawv lub tsev tiag tiag, YouGov qhov kev xaiv tsa kuj pom. (US Census Bureau kwv yees tsib xyoos, luam tawm nyob rau hauv 2020, pom ib tug me ntsis siab dua (38%) ntawm cov tswv tsev nyob muaj lawv lub tsev dawb thiab meej.) "Raws li rau cov uas tau them tawm lawv cov nqi tsev twb, qhov no tsis yog nyob ntawm no los yog muaj raws li nws muaj feem xyuam rau cov tshiab buyers nrhiav. kom nkag mus rau hauv kev ua lag luam, "McBride ntxiv.

Qhov sib faib ntawm cov tswv tsev uas muaj lawv lub tsev dawb thiab meej yog vim muaj ntau dua ntawm Generation X thiab cov me nyuam boomers uas muaj tsev nyob piv rau millennials thiab Generation Z. Lub xyoo txhiab tus tswv tsev ntawm 43% tau zoo hauv qab lub teb chaws nruab nrab ntawm 65%. , raws li ntawm 2019, raws li kev kwv yees sau los ntawm Freddie Mac
FMCC,
+ 2.84%,
hais txog "kev sib yuav qeeb, kev nyuaj nyiaj txiag ntawm haiv neeg thiab haiv neeg tsawg, kev ruaj ntseg nyiaj txiag tsawg dua thiab cov nuj nqis siab dua."

Tab sis ntau lub sijhawm rau kev ua tswv tsev rau cov neeg yuav khoom thawj zaug tos, txawm tias nws yuav siv sij hawm ntau xyoo. "Kev nce nqi tsev thiab cov ntaub ntawv qis qis ntawm cov vaj tsev pheej yig rau kev muag khoom kuj tseem cuam tshuam cov tswv tsev," Freddie Mac daim ntawv tshaj tawm txog cov tswv tsev ntau txhiab xyoo tso tawm xyoo tas los pom. "Ntawm qhov tod tes, raws li ntau txhiab xyoo mus txog hnub nyoog 40 xyoo, lawv tsev neeg tsim tus nqi yuav nrawm dua vim muaj kev sib yuav siab dua thiab cov nyiaj tau los ruaj khov dua."

Dow Jones Industrial Index 
DJIA,
+ 1.76%,
S&P 500 
SPX,
+ 2.47%
thiab Nasdaq Composite 
COMP,
+ 3.33%
 kaw rau hnub Thursday raws li cov feeb los ntawm Fed lub rooj sib tham zaum kawg taw qhia tias lub tuam txhab nyiaj hauv nruab nrab tseem nyob rau hauv txoj kev rau 50 lub hauv paus-taw tes hikes nyob rau lub Rau Hli thiab Lub Xya Hli, raws li txoj cai txav " nrawm" mus rau qhov kev xav nruab nrab ntawm cov paj laum. Cov khoom lag luam hauv tsev, uas tau muaj qhov nyuaj 2022, kuj tau nce hnub Thursday, suav nrog Meritage Homes
MTH,
+ 1.38%,
Lennar Corp.
LENG,
+ 2.86%
thiab Eagle Materials
EXP,
+ 3.19%.