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US Home Prices Reach Record High Amid Slowing Sales and Rising Mortgage Rates

Created at 9 Jul · 3:45 PM1 source↑ Market-relevant
IN SHORT

Existing U.S. home sales decreased in June, yet the median sales price climbed to an all-time high of $440,600. This trend exacerbates affordability challenges for potential buyers, with mortgage rates remaining elevated.

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Key Numbers

2.4%June existing home sales decline
4.09 millionJune seasonally adjusted annual sales rate
2.8%Year-over-year sales increase in June
4 millionAnnual sales pace since 2023
1.8%June median sales price increase year-over-year
$440,600June median sales price
36Consecutive months of annual home price increases
33%First-time buyer share of sales in June
30%First-time buyer share of sales in June last year
6.23% to 6.53%Average 30-year mortgage rate in April-May
1.56 millionUnsold homes at end of June
4.6-monthHome supply at current sales pace

Who's Involved

National Association of Realtors
Reported June existing home sales data
Lawrence Yun
NAR's chief economist, cited affordability challenges
Freddie Mac
Provided mortgage rate data
Realtor.com
Provided median list price data

↳ Why This Matters

The persistent rise in U.S. home prices to record highs, despite slowing sales and elevated mortgage rates, highlights a critical affordability crisis. This situation poses significant challenges for aspiring homeowners and indicates ongoing supply constraints within the housing market.

Key facts

  • Existing U.S. home sales declined by 2.4% in June to a seasonally adjusted annual rate of 4.09 million units.
  • The median sales price for existing homes reached an all-time high of $440,600 in June, up 1.8% from a year prior.
  • Home prices have experienced 36 consecutive months of annual increases.
  • First-time homebuyers constituted 33% of sales in June, a decrease from 35% in May.
  • The number of unsold homes available at the end of June was 1.56 million, representing a 4.6-month supply.

Sales of previously occupied U.S. homes slowed in June, falling 2.4% from May to a seasonally adjusted annual rate of 4.09 million units, according to the National Association of Realtors. This figure fell short of economists' expectations and continues a trend of sluggish sales seen since 2023, far below the historical norm of 5.2 million.

Despite the decline in sales volume, the median sales price of existing homes rose 1.8% year-over-year to $440,600, marking an all-time high. This marks the 36th consecutive month of annual price increases, contributing to significant affordability challenges for prospective buyers.

Mortgage rates, which averaged between 6.23% and 6.53% for a 30-year fixed loan in April and May, have been influenced by expectations of higher inflation and rising oil prices. While rates remain below last year's levels, they are contributing to the slowdown in transactions.

First-time homebuyers, historically comprising 40% of sales, accounted for only 33% in June, down from 35% in May. The total inventory of unsold homes at the end of June was 1.56 million, a slight increase from the previous year but still below pre-pandemic levels, translating to a 4.6-month supply at the current sales pace.

Regional price trends vary, with the Midwest and Northeast seeing price increases, while the West and South have experienced declines since their 2022 peaks. Median list prices also saw their steepest annual drop since 2017.

Frequently asked questions

Existing home sales fell 2.4% in June to a seasonally adjusted annual rate of 4.09 million units.

The median sales price for existing homes reached an all-time high of $440,600 in June.

A chronic shortage of homes for sale, partly due to years of below-average new construction, helps prop up home prices even amid a sales slump.

Mortgage rates remain below where they were a year ago, though they have trended higher in recent months.

What Happens Next

01Monitor future existing home sales data for continued trends.
02Observe changes in mortgage rates and their impact on buyer demand.
03Track inventory levels for signs of a more balanced market.

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Cadence

How It Developed

Existing home sales fell 2.4% in June to an annual rate of 4.09 million units.
The median sales price of existing homes increased 1.8% year-over-year to $440,600.
Home prices have risen annually for 36 consecutive months.
First-time buyers represented 33% of purchases, down from 35% in May.
Mortgage rates on a 30-year fixed loan ranged from 6.23% to 6.53% in April and May.
Unsold homes at the end of June numbered 1.56 million, a 1.3% increase from June last year.
Inventory translates to a 4.6-month supply at the current sales pace.

Sources

T1
US home prices hit an all-time high as sales slow and mortgage rates riseAP News

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