History Shows That Adjustable-Rate Mortgages Pay Off For Homebuyers Most of the Time
Over the past half-century, homebuyers would have saved money by choosing an ARM about 70% of the time, thanks to later opportunities to refinance into
Yingqi is a Senior Economist at Redfin. He studies housing market trends and explains what’s driving them for a broad audience. He previously led research on responsible AI at Freddie Mac, and also worked at Meta and the JPMorgan Chase Institute. Yingqi holds a Ph.D. in economics from Georgetown University, and his research is published in the American Economic Journal: Microeconomics and the Journal of Real Estate Finance and Economics.
Over the past half-century, homebuyers would have saved money by choosing an ARM about 70% of the time, thanks to later opportunities to refinance into
The typical U.S. home located in a highly rated school zone costs $580,000, which is 35% more than $430,000 for the typical home overall, regardless
Where a family lives can change the affordability equation: housing and childcare consume 40% of the typical working family’s income in Little Rock, compared with
Starter-home affordability is improving: The income needed to afford a typical U.S. starter home is down 1.5% from a year ago, marking eight straight months
Housing costs keep rising, but so do incomes, leaving the income required to afford a home largely unchanged from last year’s record high. The income
Tuolumne County, CA, in the Yosemite foothills, lost more residents than any other fire-prone U.S. county in 2025. It was followed closely by Sutter County,
Over the past half-century, homebuyers would have saved money by choosing an ARM about 70% of the time, thanks to later opportunities to refinance into
The typical U.S. home located in a highly rated school zone costs $580,000, which is 35% more than $430,000 for the typical home overall, regardless
Where a family lives can change the affordability equation: housing and childcare consume 40% of the typical working family’s income in Little Rock, compared with
Starter-home affordability is improving: The income needed to afford a typical U.S. starter home is down 1.5% from a year ago, marking eight straight months
Housing costs keep rising, but so do incomes, leaving the income required to afford a home largely unchanged from last year’s record high. The income
Tuolumne County, CA, in the Yosemite foothills, lost more residents than any other fire-prone U.S. county in 2025. It was followed closely by Sutter County,