From Buyers to Builders: Assessing the U.S. Housing Market

• Market sentiment on rate cutting and its impact on the housing market in 2026 is largely optimistic
• Home prices are up two and a half percent through June but have been declining month-over-month
• Housing supply at a national level is back to pre-Covid levels, transitioning to a buyer's market from a seller's market with strong mortgage credit but affordability challenges due to higher rates

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