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📈 Market Move: Property Paralysis

Turns out, no one’s moving — literally.

Only 2.8% of U.S. homes changed hands this year, the lowest rate since the mid-1990s, according to Redfin. That’s about 28 sales per 1,000 homes, down from 44 during the low-rate frenzy of 2021.

The main villain? Mortgage rates. Homeowners are sitting tight on their 3% loans, buyers can’t stomach 7%, and everyone’s collectively waiting for “better timing.” Add in shaky job growth and fewer listings, and the result is a market defined by… caution.

Even though listings ticked up slightly this year, we’re still miles away from pre-pandemic activity. Until rates drop enough to tempt sellers off the sidelines, don’t expect much movement.

The “Great Stay” isn’t just a phase — it’s officially the new normal.

📈 Market Move: Premium Pressure

Forget high interest rates — the next big housing headache is insurance. Across the country, insurers are pulling out of high-risk areas, leaving homeowners with fewer, pricier options. In California, deals falling through over insurance nearly doubled last year. Florida’s already living that nightmare, with insurers fleeing and state-run plans drowning in claims.

These two states make up 20% of U.S. listings, and both show what happens when climate meets capitalism — coverage shrinks, premiums spike, and sales die before closing. California’s FAIR Plan now covers $650B in exposure and wants a 36% rate hike just to stay solvent. Florida’s Citizens plan “wins” 90% of disputed claims, leaving homeowners stuck.

To make it worse, credit scores often matter more than climate risk. In Florida, homeowners with poor credit pay $2K more a year than identical neighbors with good credit.

Bottom line: the insurance crisis isn’t just about disasters — it’s about deals. If buyers can’t insure homes, they can’t buy them. And if insurers keep retreating, the most beautiful places in America may become the hardest to sell.