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As of July 2025, the U.S. faces a housing shortage of 4.7 million units, leading to the worst housing crisis in modern history. The average home price now demands over 35% of U.S. household income, compared to under 25% just a few years ago. To afford the average home, an income of nearly $120,000 is needed, yet the median household income stands at approximately $80,000.
The White House may declare a National Housing Emergency this fall. Treasury Secretary Scott Bessent hinted at potential interventions, including tariff relief on building materials, grants, and down-payment assistance for first-time buyers, and expedited permitting processes. These measures could significantly boost housing supply and demand.
If the administration acts, housing-related stocks may surge. Companies like Lennar, PulteGroup, and Zillow are positioned to benefit, potentially leading to one of the strongest rebounds in the housing market since the post-financial crisis.
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