2026 Housing Affordability Update for Renters and First Time Homebuyers - 489
How to Buy a Home: The #1 First Time Home Buyer Podcast
David Sidoni
4.8 • 891 Ratings
🗓️ 1 June 2026
⏱️ 24 minutes
🧾️ Download transcript
Summary
Feeling priced out of homeownership in 2026? This episode breaks down why affordability may actually be improving for first-time buyers.
Rising home prices and mortgage rates have convinced many renters that buying a home is impossible, but the real math tells a different story. This episode explains why 2026 is more affordable than 2023 and how lower interest rates are quietly creating better opportunities for first-time buyers. Listeners learn how credit scores, debt-to-income ratios, savings, and income requirements affect mortgage approval in today’s market. The episode also exposes the danger of outdated advice and shows how education and strategy can help buyers move forward with confidence instead of fear.
“It’s time to once again bring you hope and possibilities with my favorite friends. Math and data.” — David Sidoni, First Time Homebuyer Coac
Highlights
- Is buying a home in 2026 actually more affordable than it was three years ago?
- How much do lower mortgage rates change your monthly payment and buying power?
- What do credit scores, debt, savings, and income really mean for mortgage approval today?
- Why are so many first-time buyers getting bad advice about the housing market and affordability?
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David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer.
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Transcript
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| 0:00.0 | Welcome into today's episode where we're going to talk about the one thing that people don't think they can find in today's housing market, affordability. |
| 0:08.4 | Today I'm going to lay out the most affordable cities in the United States right now in 2026. |
| 0:13.7 | And I'm also going to debunk all the fearmongering that's out there about this topic. |
| 0:19.3 | Let's go. |
| 0:20.6 | How to buy a Home Educates, |
| 0:22.3 | protects, and connects first-time homebuyers to qualify bedded realtors in their area, |
| 0:26.5 | whether you're looking for DIY information or step-by-step guidance. How to Buy a Home is the |
| 0:30.8 | number one resource for first-time home buyers. What has happened in my How to Buy a Home, |
| 0:36.0 | he's David Sidoni here, and I'm ready to bust the BS that you've been hearing about home buying affordability. |
| 0:42.0 | Because right now, if you spend even just two or three minutes online, you would think that the entire housing market is dead, buried, and set on fire. |
| 0:51.2 | Every headline says the same thing. Nobody can afford homes. First time buyers are |
| 0:56.0 | locked out forever. Young people have no chance. And you know what? Maybe you should just wait for |
| 1:01.1 | the crash. And you know what? I get it. I understand. I really empathize because if you took all |
| 1:07.6 | the recent economic news and you turn it into a drinking game and you had to take a shot every time that somebody said the word unprecedented, trying to describe what's going on with our economic cluster mess that we're all living in right now, then the entire country would be hammered, completely drunk. |
| 1:22.7 | Because the post-COVID housing market has done nothing but increase while at the same time becoming less and less affordable. |
| 1:31.7 | So when people say, how is anybody buying homes right now? I get it. But here's the thing that the headlines never seem to explain. |
| 1:40.8 | If affordability were truly dead, homes would not be selling by the millions, especially for the last three years. |
| 1:48.8 | What I try to do here is make sure that everybody understands the facts and the data. |
| 1:52.5 | And I've got news for you. |
| 1:53.7 | It's been 32 months of unaffordability since October, 23. |
| 1:59.6 | That was the peak of housing and affordability. |
| 2:01.8 | It's actually cheaper in 2026 than it was three years ago, |
... |
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