Thoughtful Money with Adam Taggart Home Prices To Drop In Half From Here? | Melody Wright
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Nov 23, 2025 
Join housing analyst Melody Wright, known for her data-driven insights into U.S. housing markets, as she dissects the troubling trends of declining home values. She reveals that over half of U.S. homes saw value losses and discusses the frozen market caused by low mortgage rates and trapped homeowners. Melody predicts a deeper downturn than 2008 and estimates home prices might need to drop by 38–50% to realign with household incomes. The conversation covers investor distress, potential government responses, and the societal risks posed by prolonged unaffordability.
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Bifurcated Market Hides True Decline
- The housing market is bifurcated with high-end homes still transacting while lower-tier values weaken.
- Low transaction volume masks real declines because many owners are 'trapped' by low-rate mortgages.
List Your Home To Know Your Options
- If you own a home and consider moving, list it to see current market interest and prices before deciding.
- Use that data to weigh whether to sell now or wait for better timing.
Rates Alone Won't Rescue Housing
- Lower mortgage rates alone likely won't unfreeze the market because many owners hold sub-4% mortgages and credit standards are tightening.
- Even if rates fall, rising debt burdens and student loans will keep refinance and purchase qualification low.