# Is Trump’s mortgage plan a bad idea? **URL:** \ **Category:** Politics & Elections\ **Tags:** trump\ **Created:** [November 11, 2025, 11:39pm UTC](https://boards.straightdope.com/t/is-trump-s-mortgage-plan-a-bad-idea/1024795 "2025-11-11T23:39:57Z")\ **Posts on this page:** 1\ **Showing post:** 44
**Author:** ![kenobi\_65](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/kenobi_65/32/13178_2.png) [@kenobi\_65](https://boards.straightdope.com/u/kenobi_65)\ **Post date:** [November 12, 2025, 4:47pm UTC](https://boards.straightdope.com/t/is-trump-s-mortgage-plan-a-bad-idea/1024795/44 "2025-11-12T16:47:55Z")
> [@HMS\_Irruncible](#): > > If younger people have truly been priced out of the market, then the only solution is to add more housing supply. The solution is to add more _moderately-priced_ housing supply. The home-building industry has moved away from that, in favor of building bigger/more expensive homes – the median selling price of a newly-built home in the U.S. is now $416,000, about double what it was 15 years ago ([source](https://www.nahb.org/blog/2025/05/prices-for-new-homes-drop-as-existing-rises)). Adding to the problem is that, in recent years, many existing smaller single-family homes have been bought up by companies and investors, flipping them into rental properties and taking them off the market for actual homeowners ([source](https://jacobin.com/2024/05/single-family-homes-rentals-wall-street)). As a result: > [@](#): > > U.S. households earning $75,000 a year can only afford 21.2% of home listings as of March 2025 > [@](#): > > While households earning $75,000 a year experienced a slight improvement in accessibility to home listings between March 2025 (21.2%) and March 2024 (20.8%), the largest gain of any income group, they have less than half of the access to affordable homes than they had before the pandemic, when nearly 49% of listings were accessible. In a balanced housing market – where listings are aligned with what households at various income levels can afford – these home buyers would need access to 48.1% of listings. To reach that threshold, the market needs nearly 416,000 more listings priced at or below $255,000. > > Households that earn $100,000 annually are in a similar situation. They can currently afford 37.1% of home listings, up slightly from 36.9% in March 2024. That is far below the 64.7% they could afford in 2019 and well below the 60.7% target for market balance. This group faces a shortage of nearly 364,000 home listings priced under $340,000. > > A household earning $50,000 annually can only afford 8.7% of home listings today, down from 9.4% one year ago. These low-income households represent one-in-three households, and in a balanced housing market, they should be able to afford to buy one-in-three listings. For balance, about 367,000 listings at a maximum price of $170,000 are vital. Source: > **[America's Housing Affordability Gap Persists: Households Earning $75,000...](https://www.nar.realtor/newsroom/americas-housing-affordability-gap-persists-households-earning-75000-annually-can-afford-less-than-a-quarter-of-for-sale-home-listings)** > > For-sale housing inventory increased nearly 20% nationwide in March 2025 from one year earlier, and while this gain marks progress, it remains far from pre-pandemic conditions. --- _[View the full topic](https://boards.straightdope.com/t/is-trump-s-mortgage-plan-a-bad-idea/1024795)._