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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.