$\"The$ \n

There are plenty of headlines these days calling for a housing market crash. But the truth is, they\u2019re not telling the full story. Here\u2019s what\u2019s actually happening, and what the experts project for home prices over the next 5 years. And spoiler alert \u2013 it\u2019s not a crash.<\/p>\n

Yes, in some local markets, prices are flattening<\/a> or even dipping slightly this year as more homes hit the market. That\u2019s normal with rising inventory. But the bigger picture is what really matters, and it\u2019s far less dramatic than what the doom-and-gloom headlines suggest. Here\u2019s why.<\/p>\n

Over 100 leading housing market experts were surveyed in the latest Home Price Expectations Survey<\/em><\/a> (HPES) from Fannie Mae<\/em>. Their collective forecast shows prices are projected to keep rising over the next 5 years, just at a slower, healthier pace than what we\u2019ve seen more recently. And that kind of steady, sustainable growth should be one factor to help ease your fears about the years ahead (see graph below)<\/em>:<\/p>\n

$\"a$ <\/a>And if you take a look at how the various experts responded within the survey, they fall into three main categories: those that were most optimistic about the forecast, most pessimistic, and the overall average outlook.<\/p>\n

Here\u2019s what the breakdown shows:<\/p>\n

<\/strong><\/p>\n

\n
\ufeffThe average<\/strong> projection is about 3.3% price growth per year, <\/strong>through 2029.<\/li>\n
The optimists<\/strong> see growth closer to 5.0% per year<\/strong>.<\/li>\n
The pessimists<\/strong> still forecast about 1.3% growth per year<\/strong>.<\/li>\n<\/ul>\n
Do they all agree on the same number? Of course not. But here\u2019s the key takeaway: not one expert group is calling for a major national decline or a crash.<\/strong> Instead, they expect home prices to rise at a steady, more sustainable pace.<\/p>\n
That\u2019s much healthier for the market \u2013 and for you. Yes, some areas may see prices hold relatively flat or dip a bit in the short term, especially where inventory is on the rise. Others may appreciate faster than the national average because there are still fewer homes for sale than there are buyers trying to purchase them. But overall, more moderate price growth is cooling the rapid spikes we saw during the frenzy of the past few years.<\/p>\n
And remember, even the most conservative experts still project prices will rise over the course of the next 5 years.<\/strong> That\u2019s also because foreclosures<\/a> are low, lending standards are in check, and homeowners have near record equity<\/a> to boost the stability of the market.\u00a0Together, those factors help prevent a wave of forced sales, like the kind that could drag prices down. So, if you\u2019re waiting for a significant crash before you buy, you might be waiting quite a long time.<\/p>\n
Bottom Line<\/h3>\n
If you\u2019ve been on the fence about your plans, now\u2019s the time to get clarity. The market isn\u2019t heading for a crash \u2013 it\u2019s on track for steady, slow, long-term growth overall, with some regional ups and downs along the way.<\/p>\n
Want to know what that means for your neighborhood? Because national trends set the tone, but what really matters is what\u2019s happening in your zip code. <\/strong>Connect with a real estate agent to have a quick conversation so you can see exactly what the local data means for you.\u00a0<\/p>\n<\/div>\n\n<\/body>","protected":false},"excerpt":{"rendered":"
There are plenty of headlines these days calling for a housing market crash. But the truth is, they\u2019re not telling the full story. Here\u2019s what\u2019s actually happening, and what the experts project for home prices over the next 5 years. And spoiler alert \u2013 it\u2019s not a crash. Yes, in some local markets, prices are […]<\/p>\n","protected":false},"author":1,"featured_media":5846,"comment_status":"registered_only","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[12],"tags":[29,27,20,18,28],"class_list":["post-5845","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-real-estate-insight","tag-idaho-real-estate","tag-north-idaho-homes","tag-rain-silverhawk","tag-real-estate","tag-sandpoint-idaho"],"aioseo_notices":[],"acf":[],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/sandpointrealtyidaho.com\/blog\/wp-content\/uploads\/2025\/07\/20250710-Blog-Header-Image-original.png?fit=750%2C410&ssl=1","jetpack-related-posts":[],"jetpack_sharing_enabled":true,"jetpack_likes_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/pdz2Zu-1wh","_links":{"self":[{"href":"https:\/\/sandpointrealtyidaho.com\/blog\/wp-json\/wp\/v2\/posts\/5845","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sandpointrealtyidaho.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/sandpointrealtyidaho.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/sandpointrealtyidaho.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/sandpointrealtyidaho.com\/blog\/wp-json\/wp\/v2\/comments?post=5845"}],"version-history":[{"count":0,"href":"https:\/\/sandpointrealtyidaho.com\/blog\/wp-json\/wp\/v2\/posts\/5845\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/sandpointrealtyidaho.com\/blog\/wp-json\/wp\/v2\/media\/5846"}],"wp:attachment":[{"href":"https:\/\/sandpointrealtyidaho.com\/blog\/wp-json\/wp\/v2\/media?parent=5845"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sandpointrealtyidaho.com\/blog\/wp-json\/wp\/v2\/categories?post=5845"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sandpointrealtyidaho.com\/blog\/wp-json\/wp\/v2\/tags?post=5845"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}