Why Buying a Home in 2025 Requires More Income—And How to Navigate It Like a Pro
Home Affordability in 2025: What's Changed and What You Can Do About It
Opening Paragraph:
If you’ve been watching the housing market and wondering, “Why does buying a home feel so much harder than it used to?”—you’re not alone. According to a new report from Realtor.com, homebuyers now need to earn 70% more incomethan they did just six years ago to afford a median-priced home. That’s a big jump—but the good news is, there are ways to navigate it smartly.
What’s Driving This Shift?
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🔼 Higher Home Prices: The median U.S. listing price in April 2025 is now $431,250.
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📈 Increased Mortgage Rates: Hovering around 6.76%, today's rates mean buyers pay more over time.
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💸 Bigger Monthly Payments: A 10% down payment now means an average $2,702/month mortgage.
What Does That Mean for You as a Buyer?
It means strategy matters more than ever. Homeownership is still possible—you just need a roadmap that accounts for the new landscape. That includes:
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🏘️ Exploring markets with more value (like Baldwin County!)
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💬 Talking with a local expert who understands today’s financing options
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📊 Looking for homes that offer long-term value (like gold fortified homes)
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💡 Budgeting smartly for interest rates, taxes, and insurance
How I'm Helping Buyers Navigate This Market
As a Realtor® and Accredited Buyer’s Representative (ABR®), I work with buyers every day to:
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Find hidden gems in the Gulf Coast market
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Negotiate seller concessions or rate buydowns
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Tap into programs that make homeownership more accessible
The Bottom Line
Yes, homebuying looks different in 2025. But that doesn’t mean you can’t make it happen—it just means you need to be informed, empowered, and strategic. I’m here to help with all three.
📩 Ready to explore what’s possible? Let’s connect.
👉 Call or Text 256.366.6974 ... Email katieraglandrealtor@gmail.com
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