Housing Market 2026: Buy Now or Wait? First-Time Buyer Crisis Explained (Part 1)

Is the housing market going to crash in 2025, or is this as “good” as it gets if you’re trying to buy your first home?
Should you wait for a housing crash… or buy a house now before rates and prices move again?

In this video, I break down the U.S. housing market from the 1930s to 2025 with real data: 30-year mortgage rates, the median age of first-time homebuyers hitting 40, price-to-income ratios, equity, delinquencies, and how today’s “affordability crisis” is totally different from the 2008 crash.
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We cover:
– Why first-time buyers used to be 28 and are now 40
– How home prices have outrun incomes for 40+ years
– Why we have record home equity and low delinquencies but the worst affordability in decades
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– The real impact of student debt, rent, insurance, taxes, and HOA fees on your ability to buy
– Why “this is NOT 2008” even though everyone is Googling “housing market crash 2025”
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Then I walk through 3 scenarios for 2025–2030:

Rates drop → demand rips, prices re-accelerate

Rates stay around 6–7% → frozen market, slow grind, buyers age even more

Recession → some price cuts, but a real 2008-style crash is still unlikely

If you’re asking:
• “Is now a good time to buy a house?”
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• “Should I wait for prices to drop?”
• “Will there be another 2008 housing crash?”
• “Why can’t I buy a house until I’m 40?”

…this video is built around those exact questions and the numbers behind the headlines.

Watch this before you decide whether to buy now, wait, or invest differently in the 2025 housing market.

© VanderX Options Trading
https://spyoptionstrading.blogspot.com

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