Experts are touting improved home affordability as a reason to cheer, citing a slight decline in mortgage rates and a modest increase in housing supply. The median new mortgage payment decreased to $2,167 in June from $2,219 in May, signaling better affordability. Yet, this minor relief is overshadowed by the fact that typical mortgage payments have doubled from pre-COVID levels, remaining significantly higher than in past years. Despite claims of improved conditions, the broader market remains challenging for buyers, with many still struggling with high costs and limited relief in sight. Are experts once again gaslighting us by overstating these modest gains?

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