Analysis
Lock-In Effect Cracks, but Housing Isn't Normal
Retailers and builders are warning the lock-in effect still limits moves—but lower-6% rates are changing behavior. Here’s what actually shifts for spring inventory.
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Blog
The Rent or Buy Today blog shares data-driven insights to help you make smarter housing decisions.
High-intent guides
Rent or Buy Today publishes practical housing and mortgage insights to help you make better rent vs buy decisions.
Guide
Refinancing Surge: Break-Even Checklist Now
MBA says refis jumped as rates hit their lowest since Sept 2022. Here’s when refinancing makes sense, how to calculate break-even, and what not to do.
News
Consumer Confidence Jumped, but Budget Math Is Tight
Consumer confidence rebounded in February, but affordability is still tight. Here’s why housing can feel impossible even when sentiment improves.
Analysis
How a 0.25% Rate Cut Could Unlock 1.42 Million Buyers
NAHB says a 25-basis-point mortgage rate drop could price in about 1.42 million households. Here’s the housing math behind why a quarter-point can change everything.
News
Tariffs Start Hitting Today: Renovation and Housing Cost Ops Checklist
The surcharge effective Feb. 24 works best as an operations checklist: procurement tracking, contractor assumptions, lender paperwork, and lease fallback planning.
News
State of the Union and Housing: What Changes Now (and What Doesn’t)
The State of the Union raised housing, mortgage, and affordability claims. Here’s what can affect housing now, what takes months, and what is mostly messaging.
News
Consumer Confidence Jumped, but Housing Math Still Feels Tight
February confidence improved, but many households still face tight cash-to-close, renewal, debt, and moving math. Use this housing-budget checklist.
Analysis
SOTU Tariff Talk: How to Audit a Housing Claim Before You Replan
State of the Union tariff rhetoric can blur messaging, policy text, and housing outcomes. Use this claim-audit framework before you change your housing plan.
Market Update
Pending Sales Fell 6%: Buyer Playbook for 2026
Redfin shows pending sales down 5.8% YoY and 67 days to contract—the slowest since early 2019. Here’s what that changes for offers, credits, and leverage.
News
Tariff Chaos: Mortgage Rates and Rent Risk
Trump says 15% global tariffs are coming, and a separate 10% import surcharge starts Feb 24. Here’s what changes, what’s noise, and what to watch.
Analysis
Rents Falling 29 Months: Rent vs Buy Outlook
Realtor.com says rents are down 29 straight months for 0–2BR and rates just hit 6.01%. That combo quietly changes your break-even—here’s how.
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