Hacker Newsnew | past | comments | ask | show | jobs | submitlogin

The reason 2023 year was so bad is that prices are lagging behind interest rates. In a liquid market, they have an inverse relationship, but it wasn't until Q3 of 2023 that prices actually started giving way.

There's almost a 1-year lag, which resulted in high prices AT high interest rates. Reasonably, this affected purchasing decisions.

Sales will pick back up again by Q2 2024.



Exactly. RE prices are sticky on the downside.

Some of it is logical (selling a leverage asset at a loss when you can just live in it / if you sell you give up your below-market-rate mortgage) and some of it is emotional (people like to win).

So as mortgage rates approach 4-5% range (not that far off, we've already dropped from 7.8% to 6.6% in 2 months), homes will start moving again. People need to upgrade/downgrade/move/etc, and the marginal cost will start to compress and make it worthwhile again.

As an example - I have a typical 2018-2020 ZIRP bottom barrel interest rates.. So while the apartment upstairs from me which is on sale for 25% more than my apartment purchase price, it would have actually cost me 75% more in monthly payments at peak interest rates. At current interest rates it is 58% higher payments, and at 4.5% it would be about 31% higher payments (pretty close to proportional to price).

So I think somewhere in the 4-5% range things get pretty normal pretty quick.




Guidelines | FAQ | Lists | API | Security | Legal | Apply to YC | Contact

Search: