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 Forget Halloween decorations—these housing stats are truly terrifying. According to Fannie Mae, affordability won’t return unless:

• Home prices collapse by 38%
• Incomes surge 60% (not happening)
• Or mortgage rates plunge to 2.35% (a fantasy without government distortion)

Boomers want stability, younger generations want affordability—and Washington’s reckless spending made this mess worse.