Are Home Prices More Affordable Than 10 Years Ago?!?!
Did you know that the money supply in the US is outpacing home prices? Watch the video to get the full breakdown.
Home prices feel confusing — some say they're crashing, others say they're still too high. But when you look at the data through a different lens, the picture changes dramatically.
The Numbers Tell a Different Story
As of Q2 2025, the average U.S. home price was $410,800. A decade ago, it was $289,100. That's a solid 30% increase over 10 years.
During the same time, the U.S. money supply grew from $12 trillion to more than $22 trillion — about a 45% jump.
The Monopoly Analogy
Imagine playing a game of Monopoly where everyone at the table suddenly got 45% more money. Naturally, every property on the board would cost more.
But in the real world, homes only climbed 30%. Since money supply grew faster than home prices, homes haven't kept up — and right now, homes are worth less compared to the dollars circulating.
"Homes haven't kept up with money growth, meaning they're actually cheaper now."
What About the Recent Dip?
Prices peaked in late 2022 at $442,600. Now the average is at $410,800 — that's more than a 5% drop from the peak.
What Does This Mean for You?
If you're buying: This is a good time to purchase. Homes are technically "on sale" compared to a couple years ago. You can buy now, and when interest rates go down later, you can refinance your mortgage to save more.
If you're selling: Don't wait until the last minute. Connect with a trusted real estate professional early. That way, you can time the market, prepare your home, and position yourself for the best outcome.
Rates have stabilized, and most signals suggest they'll move lower. Inflation is easing, job data is weaker, and we could see borrowing costs come down soon. If that happens, demand will heat back up and prices will follow.
The headlines may be confusing, but opportunity is here — whether you're buying or selling.