To a large degree, it's all-cash buyers. These individuals are able to sidestep mortgage rates entirely and purchase a home outright at cost.the share of all-cash purchases had increased to one-third of the entire U.S. housing market, the highest level since 2014.
Marr added that the homeownership rate of Generation Z adults has already surpassed the rate of Generation X “It’s not like most people are emptying their checking accounts,” Sturtevant said. “They’re rolling over their housing wealth."
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