Housing and Economic Research
Original research and analysis on housing trends, the economy and the mortgage market
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Research Brief | March 2, 2023
In Today’s Housing Market, Renters Have More Financial Incentive to Migrate to More Affordable Metros than Homeowners
First-time homebuyers’ incentives to move from a high-cost metro to a more affordable area are significantly higher in a higher interest rate environment, but existing homeowners have more incentive to stay put. More
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Research Brief | February 16, 2023
When Rates Are Higher, Borrowers Who Shop Around Save More
As mortgage rates remain higher than in recent years, homebuyers can potentially save $600-$1,200 annually by applying for mortgages from multiple lenders. More
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Research Brief | January 24, 2023
ADUs Can Increase Housing Stock, But Most Are Unfamiliar
A recent Freddie Mac survey attempted to gauge familiarity and interest in accessory dwelling units. The general lack of familiarity underscores the need for additional education and dedicated financing options. More
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Research Brief | December 20, 2022
Housing Sentiment in the Fourth Quarter of 2022
In the fourth quarter of 2022, consumer confidence continued to decline while payment concerns increased notably. More
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Research Note | December 7, 2022
The Drivers of Financial Stress and Sustainable Homeownership
This analysis explores the drivers of financial stress among first-time homebuyers. Identifying the factors leading to household financial stress is important to understanding what makes homeownership sustainable. More
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Research Note | November 9, 2022
Migration to Environmentally Risky Areas: A Consequence of the Pandemic
The pandemic amplified the exodus from large, expensive metro areas to smaller, more affordable destinations. Many such desirable destinations that are farther from the cities are not only less costly but are also closer to natural amenities. Natural amenities, however are often associated with environmental risks and moving closer to these amenities can also mean increased exposure to various natural hazards. More
