Shopping for a home? There's a lot working against you right now | CNN Business

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So many things are working against would-be home buyers this summer

. The housing market remains stuck, with sales pushed lower by a lack of both affordability and inventory, recent credit tightening, higher interest rates and home prices firming up across the country after a brief correction last fall. For Nick Gaylord, the struggle to buy a home in Minneapolis has gone on so much longer than he expected. He has been looking at homes off and on for a year and a half and has lost out on bids he made on four homes.

The monthly principal and interest payment needed to buy the median-priced home rose to $2,258 in June, marking the highest payment on record, according to Black Knight. Nationally, it takes about 36% of the median household income to make the average mortgage payment — more than the recommended 30% allowance for housing. It’s only because of income growth since the fall of 2022 that May was not the most unaffordable month for housing in the past 37 years, Black Knight found.

 

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