#352: What's Really Driving the Housing Crisis

Affordable housing isn't just a buzzword; it's becoming a national crisis. In this solo episode, Ron Phillips breaks down the data from the Atlanta Fed's Home Ownership Affordability Monitor and reveals why the numbers tell a bigger story about government intervention, construction costs, and market imbalance. He explains how home prices, interest rates, taxes, and insurance interact to shape affordability, and why builders have stopped creating entry-level homes altogether. This episode cuts through the noise to show what's really behind the housing gap and what it means for investors.
WHAT YOU'LL LEARN FROM THIS EPISODE
How income, interest rates, and home prices combine to create unaffordability
Why the "affordable" price band has nearly vanished across the U.S.
Economic reasons why builders no longer construct sub-$300K homes
Luxury home sales vs. entry-level housing
The impact of government regulation on construction costs and supply
RESOURCES MENTIONED IN THIS EPISODE
Why It's Nearly Impossible to Build Affordable Housing in America with Brian Mertz
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