The Lock-In Effect Is Quietly Reshaping Housing Supply

With mortgage rates hovering near six point seven percent and the median home price holding at four hundred ten thousand dollars, a structural shift is underway in American real estate. This episode examines how the lock-in effect — homeowners refusing to sell because their existing rates are far below current borrowing costs — is strangling inventory despite strong job growth. We look at why housing starts have fallen while permits rise, and what this means for buyers who can’t find anything to buy. #HousingMarket #MortgageRates #RealEstateEconomics #LockInEffect #InventoryShortage #HomePrices #ConstructionPermits #FirstTimeBuyers #FedPolicy #JobMarket #AffordabilityCrisis #HousingSupply #InterestRates #EconomicAnalysis #FexingoBusiness #BusinessPodcast #LucasAndLuna #MacroEconomics Keep every episode free: buymeacoffee.com/fexingo