2025 saw a variety of legislative proposals aimed at thawing the U.S. housing market and helping relieve persistent unaffordability.

- Ideas like 50-year mortgage terms and portable loans target affordability and the lock-in effect, but face hurdles regarding high interest costs and secondary market feasibility.

- The ROAD to Housing bill and light-touch density zoning aim to incrementally boost inventory by incentivizing “missing middle" development.

- Escalating natural disaster frequency is intersecting with a shift toward state-based aid, threatening housing resilience and stability.

Links:

Cotality Insights

https://www.cotality.com/insights

Cotality home price indexes

https://www.cotality.com/products/hpi-and-hpi-forecasts