据Redfin分析，如果房价增长趋于稳定且抵押贷款利率降至5.5%，住房成本可能在2030年回归"正常"水平。目前房价接近历史高位，抵押贷款利率维持高位，而全美许多地区的住房建设量仍不足以满足需求。
不过，最近几周房地产市场出现了一些积极信号：房价增长正在放缓，抵押贷款利率开始下降。Redfin表示，如果抵押贷款利率适度下滑，价格和收入增长保持稳定，那么到2020年代末，购房者面临的市场环境可能会大不相同。
在这份报告中，Redfin选择2018年7月作为基准线。当时抵押贷款利率处于4%多的中等水平，房价虽然在上涨但仍相对可承受，买卖双方数量也相对平衡。
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