Let's Talk Housing

Hosted by ReportsOnHousing

Business News

Website RSS feed

Episodes

Latest episode

Jun 2026

Language

About the show

Let’s Talk Housing is your go-to Q&A-style podcast for all things real estate and economics. Hosted by Brennen Thomas, with insights from chief economist Steven Thomas, we break down the market in plain language for realtors, investors, buyers, sellers, and anyone curious about housing.

Listen to episodes

60 recent

June 10, 2026Episode 7624 min

Let's Talk Housing Episode 76: A Housing Market of Mixed Signals

This episode of Let’s Talk Housing explores a market sending mixed signals as demand begins its seasonal decline while inventory continues to grow. Steven Thomas of Reports On Housing breaks down inflation, mortgage rates, Zillow’s latest forecast, and the ongoing impact of global conflicts on housing. The discussion also examines rising delistings, seller behavior, and why today’s market remains remarkably balanced despite affordability challenges. Plus, a preview of the new Nerd Lab HQ platform for housing professionals and subscribers.Got questions? Drop them in the comments or email us at brennen@reportsonhousing.com for a chance to have them featured in a future episode!Time Stamps:00:00-Introduction02:34-Summer HousingMarket Outlook04:08-Demand Has Peaked05:41-Why the s06:48-Inflation and the Economy09:40-Iran Conflict -and Mortgage Rates11:42-Are Sellers Becoming More Realistic14:18-Zillow’s Housing Forecast18:09-Delistings Are Rising21:58-NerdLabHQ Preview23:30-Conclusion

May 27, 2026Episode 7424 min

Let's Talk Housing Episode 75: Is the Housing Market Permanently Broken?

This episode of Let’s Talk Housing features Steven Thomas of Reports On Housing breaking down whether today’s frozen housing market is becoming permanent. The discussion covers supply and demand trends, mortgage rate volatility, geopolitical risks, and why affordability remains the biggest challenge for buyers. It also examines why forecasting rates has become increasingly difficult and what today’s elevated price reductions actually mean for the market. This data-driven episode explains the realities shaping housing in 2026.Got questions? Drop them in the comments or email us at brennen@reportsonhousing.com for a chance to have them featured in a future episode!Time Stamps:00:00-Introduction03:48-Supply, Demand, and Market Speed06:02-Iran Conflict and Mortgage Rates08:35-Is Housing Permanently Broken11:42-Buyers Returning to the Market13:48-Can Mortgage Rates Be Forecasted18:07-Price Reductions in 202621:23-Why Sellers Keep Missing the Market23:35-Conclusion

May 13, 2026Episode 7427 min

Let's Talk Housing Episode 74: Why Housing Feels So Uncertain Right Now

This episode of Let’s Talk Housing features Steven Thomas of Reports On Housing breaking down why today’s economy and housing market feel increasingly uncertain. The discussion covers rising demand, the latest Federal Reserve meeting, mortgage rates, inflation pressures, and the ongoing impact of the Iran conflict on the broader economy. It also examines the “silver tsunami” narrative, why home prices continue rising in many markets, and the growing divide within today’s K-shaped economy. This episode delivers a data-driven look at the forces shaping housing in 2026.Got questions? Drop them in the comments or email us at brennen@reportsonhousing.com for a chance to have them featured in a future episode!Time Stamps:00:00-Introduction02:38-Surprise Housing Market Shift05:40-Federal Reserve Meeting Breakdown07:30-Why Rate Cuts Are Fading08:46-Jobs Report and Mortgage Rates11:27-Will a Silver Tsunami Flood the Market15:7-Why Home Prices Are Still Rising19:07-Iran Conflict and Housing Risks23:55-The K-Shaped Economy Explained26:38-Conclusion

April 29, 2026Episode 7333 min

Let's Talk Housing Episode 73: Split Housing Market - Who Wins?

This episode of Let’s Talk Housing features Steven Thomas of Reports On Housing breaking down why the 2026 housing market continues to mirror recent years. The discussion covers inventory trends, steady demand, and the impact of economic uncertainty and interest rates. It also explores property type performance, clickbait narratives, and evolving buyer behavior. This episode provides clear, data-driven insight into what is actually driving today’s housing market.Got questions? Drop them in the comments or email us at brennen@reportsonhousing.com for a chance to have them featured in a future episode!Time Stamps:00:00-Introduction03:16-Market Feels Like Groundhog Day04:20-Inventory and Demand Breakdown05:15-Why Rates Still Matter05:56-Market Speed and Pricing06:36-Fed and Economic Outlook09:09-Global Conflict Impact12:42-Listener Questions13:00-Property Type Trends17:20-Clickbait and Media Narratives21:49-Algorithm and Market Fear23:50-Gen Z and Homeownership28:24-Luxury Market Trends33:02-Conclusion

April 15, 2026Episode 7231 min

Let's Talk Housing Episode 72: Reading the Housing Market

This episode of Let’s Talk Housing breaks down the April 2026 housing market and explains why home prices remain resilient. It covers supply, demand, mortgage rates, and the impact of inflation and global events on today’s market. A key focus is the difference between expected market time and average days on market, highlighting why one is more accurate. Additional topics include wildfire recovery timelines, rising FHA delinquencies, and the state of the American Dream.Got questions? Drop them in the comments or email us at brennen@reportsonhousing.com for a chance to have them featured in a future episode!Time Stamps:00:00-Intro02:38-Spring housing market overview05:10-Rates inventory and demand trends06:24-Inflation, jobs, and Iran impact09:20-Expected market time vs days on market14:55-Why DOM is misleading19:32-Wildfire rebuild timeline and pricing23:09-FHA delinquencies and foreclosure reality26:48-Is the American Dream slipping away31:02-Conclusion

April 1, 2026Episode 7129 min

Let's Talk Housing Episode 71: A Buyer’s Market Ahead?

What is really happening with mortgage rates and the 2026 housing market? In this episode of Let’s Talk Housing, Steven Thomas from Reports On Housing breaks down rising volatility, global economic uncertainty, and why buyer demand is beginning to stall despite inventory growth. From Federal Reserve policy to AI fears and misleading Google search trends, this episode separates headlines from reality. Watch to understand where the housing market is headed and what it means for home prices this year.Got questions? Drop them in the comments or email us at brennen@reportsonhousing.com for a chance to have them featured in a future episode!Time Stamps:00:00-Introduction02:28-Housing Supply and Demand Update03:27-Mortgage Rates Volatility Explained05:03-Why Spring Market Is Slowing06:18-Federal Reserve and Inflation Data07:57-Economic Uncertainty Rising10:23-Mortgage Rates Near 6.5%12:05-2026 Housing Market Outlook15:10-Why Homes Are Not Selling17:22-Accidental Landlords Explained19:20-Silver Tsunami Housing Myth22:23-AI Fear and Housing Market25:10-Google Search Trends Misleading29:05-Final Thoughts and Wrap Up

March 18, 2026Episode 7021 min

Let's Talk Housing Episode 70: Housing's Next Test

Mortgage rates are rising again, and it could reshape the 2026 spring housing market. In this episode of Let’s Talk Housing, economist Brennen Thomas and housing expert Steven Thomas from Reports On Housing break down why rates are moving higher, the impact of rising oil prices, and what it means for homebuyers and sellers. They also address concerns about stagflation, new legislation targeting institutional investors, and why housing demand may resemble the last three years. If you want data-driven insights into the real estate market, this episode provides a clear breakdown of what to expect next.Got questions? Drop them in the comments or email us at brennen@reportsonhousing.com for a chance to have them featured in a future episode!Time Stamps:00:00 Introduction02:06 Housing Supply Demand Update02:19 Expected Market Time Explained03:22 How Fast the Housing Market Is Moving04:13 Transition Into Spring Housing Market05:01 Why Spring Inventory Always Surges05:35 Mortgage Rates Move Back Toward 6.5%06:12 CPI and PCE Inflation Reports Explained06:47 Weak Jobs Report Impact07:28 Oil Prices Driving Mortgage Rates Higher08:28 Mortgage Rates Rising Quickly09:27 Global Events Impacting Housing Market10:18 Gas Prices and Economic Pressure10:30 Stagflation Concerns Explained11:07 What Real Stagflation Looks Like12:05 Oil Prices Impact Food and Supply Chains13:09 Why Mortgage Rates Should Have Fallen13:55 Institutional Investor Housing Bill14:26 Impact on Build-To-Rent Housing15:27 How Policy Could Reduce Home Construction16:26 Why Institutional Investors Are Not the Main Buyers16:48 Housing Market Positives for Buyers17:38 Entry Level Inventory Increasing18:24 Possible Tepid Spring Housing Market19:14 2026 Housing Demand Outlook20:12 Why Housing Prices Should Stay Stable21:05 Conclusion

March 4, 2026Episode 6931 min

Let's Talk Housing Episode 69: Is Housing Stabilizing?

Is AI fear slowing the housing market in 2026? In this episode of Let’s Talk Housing, Steven Thomas of Reports On Housing breaks down mortgage rates near 6 percent, subdued demand, and why headlines comparing today to 2008 are misleading. Learn how supply, inventory, and homeowner equity differ drastically from the Great Recession and why prices remain sticky despite lower sales. Get proper context on mortgage spreads, the Federal Reserve, and what could unlock more demand this spring.Got questions? Drop them in the comments or email us at brennen@reportsonhousing.com for a chance to have them featured in a future episode!Time Stamps:00:00-Introduction02:25-Supply and Demand Update 202605:00-Mortgage Rates Hit 5.99%06:40-Why Rates Fell in 202607:40-Geopolitical Impact on Rates10:17-Should Buyers Be Worried?11:40-AI Fear Impacting Demand15:48-2008 Crash Headlines Debunked20:00-Why Prices Are Not Plunging22:43-Has Housing Recalibrated?26:52-What Happens If Rates Fall27:56-Capital Gains Tax Discussion30:44-Conclusion

February 18, 2026Episode 6826 min

Let's Talk Housing Episode 68: Housing: Warning Signs

Is the housing market entering a new crisis, or are the headlines exaggerating the data? In this February 2026 episode of Let’s Talk Housing, Brennen Thomas and Steven Thomas of Reports On Housing break down rising demand, falling mortgage rates near 6 percent, underwater mortgages, and new construction incentives. They explain why certain markets like Texas and Florida are softer while much of the country remains stable with strong equity. Get the proper context behind negative equity, builder buy-downs, and what to expect heading into the spring housing market.Got questions? Drop them in the comments or email us at brennen@reportsonhousing.com for a chance to have them featured in a future episode!Time Stamps:00:00-Introduction02:31-Winter Market Thaw Explained03:19-Year Over Year Demand Rising04:30-Hottest Spring Market Ahead05:00-Mortgage Rates Drop to 6%06:44-Inflation and CPI Update08:32-Could Rates Fall Into the Fives09:06-January Sales Tank Headline10:47-Expected Market Time Explained11:35-Housing Market Flywheel Effect13:23-One Million Underwater Homeowners13:52-Negative Equity Explained16:55-Texas and Florida Weakness17:55-2026 Labor Market Outlook20:28-Federal Reserve Trend Analysis21:47-Dr Horton 3.99 Percent Buydown22:34-New Construction Inventory Surge24:15-Builder Strategy Explained25:35-Conclusion

February 5, 2026Episode 6725 min

Let's Talk Housing Episode 67: The Housing Narrative

Brennen Thomas and Steven Thomas break down the 2026 U.S. housing market trends and provide insights for buyers and investors. From winter market activity to mortgage rates, inventory changes, and the Federal Reserve’s impact, this video explains the real story behind current headlines. Learn why purchasing a home today can still be a strong long-term investment and how market timing affects your buying power. Stay informed with expert analysis you won’t see anywhere else.Time Stamps:00:00-Introduction01:01-Personal Updates01:25-Winter Market Trends03:00-Best Time To List Homes04:28-Interest Rates and Buying Power06:18-Home Inventory Trends07:07-Federal Reserve Insights10:56-Kevin Warsh and Fed Leadership12:09-Government Shutdown and Data Delays13:53-Housing Crash Narrative Explained15:42-Buying Vs Renting18:08-Historical Home Values20:51-San Diego Market Context22:01-Hunkering Down Trend Update24:47-Conclusion