What are the Experts Saying About Future Home Prices?
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)
Tuesday June 23rd, 2020
A worldwide pandemic and an economic recession have had a tremendous effect on the nation. The uncertainty brought about by both has made predicting consumer behavior nearly impossible. For that reason, forecasting home prices has become extremely difficult.
Normally, there’s a simple formula to determine the future price of any item: calculate the supply of that item in ratio to the demand for that item. In housing right now, demand far exceeds supply. Mortgage applications to buy a home just rose to the highest level in 11 years while inventory of homes for sale is at (or near) an all-time low. That would usually indicate strong appreciation for home values as we move throughout the year.
Some experts, however, are not convinced the current rush of purchasers is sustainable. Ralph McLaughlin, Chief Economist at Haus, explained in their June 2020 Housing Market Forecast why there is concern:
The virus and other challenges currently impacting the industry have created a wide range of thoughts regarding the future of home prices. Here’s a list of analysts and their projections, from the lowest depreciation to the highest appreciation:
- CoreLogic: Year-Over-Year decline of -1.5%
- Haus: Year-Over-Year decline of -1%
- Zillow: Year-Over-Year change is forecasted to bottom out at -0.7%.
- Home Price Expectation Survey: Decline of -0.3% in 2020
- Fannie Mae: Increase of 0.4% in 2020
- Freddie Mac: Increase of 2.3% in 2020
- Zelman & Associates: Increase of 3.0% in 2020
- National Association of Realtors: Increase of 3.8% in 2020
- Mortgage Bankers Association: Increase of 4.0% in 2020
We can garner two important points from this list:
- There is no real consensus among the experts.
- No one projects prices to crash like they did in 2008.
Bottom Line
Whether you’re thinking of buying a home or selling your house, know that home prices will not change dramatically this year, even with all of the uncertainty we’ve faced in 2020.
Ventura County’s Market Data Report
"The Spouses that Sell Houses"
Keller Williams
West Ventura County
Oxnard, CA 93036