It already is. And home insurance has become unaffordable

It kind of already has.

November. Florida and Texas get hurt the worst!

One can only hope. Sorry if you are a resident of either state.

I think it is 3-5 years out

April 15, 2026.

💯

October.

I think it has started in FL. I hear there are so many listings that some realtors are actually turning some down bc there aren’t nearly enough buyers for their listings. However, that may be just one person’s assessment.

It's already begun.

I say the AI bubble goes six weeks before it does.

Soon I think.

2008 will have nothing on this self made bitch, courtesy of Trump.

Q1 26

It already is.

Soon my friend soon

Once private equity has their ducks in a row to snatch it all up. Oh, that’s now.

Florida is happening soon

I'll give it to June 2026. Then, KABOOM.

Within 5 yrs

Next year, February-April.

Give it a few more months-December/January. Sooner if Vance takes over.

Good question. I think it a strong possibility that an echo of the debt collapse that triggered the Great Recession of 2008/09 will happen, this time not just in housing, but suffused throughout the economy, and I combination with unchecked historic inflation and civil unrest.

My wife's a realtor and we're seeing people in progressive areas (i.e. PNW) trying to cash in by moving to the cheap South while they can. This does not bode well for the future.

Send them my way.... I can't wait to leave Texas! 🤦🏼‍♀️

I did that in Maine, lol, although I just moved to a much cheaper area in my own state.

Funny how “the progressives” move to Florida to retire and become MAGATS.

Coastline properties are going to be literally underwater soon.

I haven't seen more than one or two for sale signs in my neighborhood in the last year, then suddenly about a week ago, a dozen of them popped up. People must be cashing out, or they've lost their jobs and can't afford the mortgage payment anymore.

Exactly, short bursts, most which go unresponded, then quickly pulled off the market.

Go to Zillow and look at your estimate and the trend chart. Mine has decreased over 10k in last 30 days.

Yes. I would see a few, now a glut.

I agree. I live in metro Austin and see a lot of homes for sale but they are steady building apartment complexes.

Apartment construction explosion in New Braunfels. Trying to figure out where the occupants are coming from?

Even the suburbs of Austin have a lot of houses for sale and are staying on the market a lot longer. Austin was relatively unscathed in 2008. I don’t think Austin or Texas, in general, will do as well this time around. The Texas Trump Gleesome Threesome are helping spiral that economic crash.

Pacific Northwest here, starting to see a lot more homes on the market and they're not going very fast! Last year, there wasn't enough inventory. People are starting to panic

You guys were booming at the same time we were. As soon as a house went on the market, there would be multiple bids. It was crazy. The overinflated housing prices made property taxes ridiculously high. New builds are still sitting here. High prices + high interest rates + high property taxes = no $

There are new apartments all over Columbus, but I find it hard to believe there's such a demand for places where the starting rent for a studio is $1500. The unit below me (an older building, nice neighborhood) has been open for months, which has never happened in 10 years.

Soooo many houses for sale in Austin, and it seems like only the super high-end ones are selling.

Considering there has been a recession or crash under every Republican Administration since Nixon, I wouldn't refinance right now.

Yes, I agree. Not a good time to sell a house. Two houses in my little neighborhood just went on the market, one at 600k the other at 650k. With mortgage rates at close to 7%, and creeping up, I don’t get why one would choose now to sell.🤷‍♀️

Spring 2026. Weak every month into that

I’m in Dallas and in my neighborhood houses are sitting longer

Soon...very soon

We've lost 65k in equity already. The houses are selling but prices are dropping each month. Lots more inventory as well.

I think it kinda has already. Corporate owners are propping up the market. Something like 25% of last month's home sales were to corporate buyers. 😵

Very soon. I have noticed locally home prices falling and houses sitting on the market for months.

People been saying imminent collapse momentarily. For a decade. Not exactly happening. Maybe in places people don't really wanna live. Idk. Not expecting it.

June 2026

Real Estate is a local sport. In Fl. we are already showing signs of stagnation and price drops. We have another powerful hurricane season like the last 2 yrs and it will be generations before we recover. Our home owners insurance is highest in the country.

Unfortunately, FEMA won’t be there for anyone.

Well aware of that. Friends are selling and moving out of state. It’s not so much the funds for individuals I’ll miss but the funds to the community to clear roads and take away trash. That prevent serious health issues that rotting garbage and rats can spread. It’s a new frontier.

18 months if unemployment hits 7%.. however, foreclosures are starting to show up... Banks selling assets for liquidity as more people laidoff

It has begun in our neck of the woods. Homes that were selling at ridiculous prices, and being sold within three days of being put on the market, are now sitting unsold for up to a month.

It all depends on the region. Here in the northeast prices continue to climb and homes are selling quickly.

Please take care of your anxiety 🙏✌️

I’m eternally grateful that I have a great therapist!

Depends on how long the felon and his associates short the market with the tariffs.

Housing is far too expensive in California. I would like to see the prices come down, this of course is not good for the owners, but it will help those that can’t afford expensive housing.

It began in Florida already. The same signs we saw 2007 are there they July started slower. Last time the outgoing administration worked with the incoming ones, we won’t have the same this time nor will we have the same experience and intelligence

Before the end of the year And I can’t wait to learn all the ways it was Biden’s fault

I'm predicting in abt 9mnths we will at or very close 2008 crisis levels. I think the difference is gonna this time it's going to last much longer.

*gonna be this time*

I'd like to say it could very well be 6mo. I'm being a little more generous with time bc I haven't seen the massive layoffs yet, but they're coming. When they hit, the housing market will crash, & it's gonna crash hard.

Holiday sales will be abysmal, which will start the collapse of the economy.

👆BINGO. Yes. That will be the kick-off point. Agreed.

Gotta add, one of the things that softened the 2019 recession somewhat was ppl being 'in shelter' due to covid, which created an explosion of online shopping out of boredom. It kept retail afloat. That ain't gonna happen this time.

When medicaid/care is turned off in 2026, from the BigBullshitBill, if it hasn't collapsed yet - that will def make more problems. Michigan alone is looking at 9 projected hospital closures as a result - how many more do you think will get closed?

And open enrollment this fall will be a shock to most as premiums are expected to rise significantly.

I have NO idea, but that's an excellent point. I can add; when many already struggling ppl/families are forced to take in, care for, & support elderly family members who won't have a nursing home anymore due to closures & lack of finding it will cause a HUGE strain on the economy. Many will drown.

*funding* not finding

After the AI bubble and the crypto boom bursts…🤷‍♀️

I believe it’s already happening! 🤬

Not around us

Yesterday! The prices are going up, but we the people can’t afford to pay the prices. So the corporations and ultra wealthy will own and make all the money - which is what dip-shit-his-pants wants. He can’t go soon enough!! Please, just stop already! Enough with the terrible! We already hate you!

I follow the real estate market in a couple of states we are thinking about retiring in. Just in the last month I’ve seen more going up for auction and foreclosure. There’s also been quite a few homes coming back on the market after an offer was accepted. Doesn’t look good.

About 3 weeks ago.

I think it has started, we have a lumber mill not far from the house and the finished lumber is stacking up and every square inch of dirt has logs piled up. Seeing less semi trucks hauling finished lumber as well.

House across the street from me has been for sale for a few months now. I haven’t even seen lookers

2026

Think it has? The statistics haven’t caught up yet?

This is why I'm never selling my house. I'm pretty certain my kids will never be able to afford owning a place of their own.

Good question, I’ll shoot from the hip. I’m guessing that while most people are month to month, most “home owners” are less month to month, and more month-to-a-few-months. So if like 10-15% of them lost their jobs, then depending on how fast banks pursue foreclosures.. I don’t know, about a year.

Two weeks?

In 2008 it did right after I put my house for sale because my employer moved my job three hours away.....I lost my retirement account and a big chunk of the value of my house.... So, about the time I put this one on the market..... It will crash

Yeah, I was thinking the same. I may lose my job toward the end of the year, and would have to relocate for employment. Right about the time I have to sell my house is when the market will crash.

I hope that doesn't happen. It hit me hard as I've been single for 40 years....single income, single bill pay or....so, I was extremely careful with my expenses....then they were wiped out

I am in that same situation. Retirement is not what it used to be, I worry about my “benefits” that I WAITED for to get the higher SSA, just in time to fear it will disappear. Meanwhile, my health expenses are skyrocketing and I’m fearful of denials from Medicare. Groceries? I only eat 2x/day.

I waited three years to get the higher payout, too. Wish I'd just left when it was time. Medical has broken me the last four years. I ended up activating an autoimmune disease I didn't know I had..fell off a ladder in my garage..all within the first couple months. And, I hear you on living expenses

My lights/water never broke 100 a month....now I'm at 160. Just in the last year. Property taxes are insane. Groceries? I'm buying the bare minimum. Yet, I know how lucky I am. There are a lot of folks retired with a lot less & bigger challenges

The houses on either side of me have been on the market over 10 months. It’s a small, middle class neighborhood. Houses in this price range usually go quickly in Austin. But, we’re living in a “what will the moron do next” economy.

End of this year.

Recently drove back roads through and around northern Indiana and Southern Michigan. The toys are already up for sale. Boats, cars, jet skis, motorcycles. Can't drive a mile without seeing at least one sale sign. The wheels are falling off rural America.

With new construction prices going up up up because of tariffs and a glut of existing houses on the market nobody can afford. I’m thinking anyone building a new home will lose their ass.

In January/February 2026. It'll start in nov dec, with the stress of the holiday and collapse in January/Feb when those holiday credit card bills are due.

As soon as all the private equity groups start buying up distressed properties…

Oh wait…. 😂😩

I live in Western NY, where the real estate market is still strong, with some moderation in pricing. Still a favored seller market with, or because of lower inventory. People are hesitant to sell because of the uncertainty from this regime and its policies.

It’s happening right now the only thing keeping it going is venture capitalists buying up single family homes as rental investment strategy, when through greed the average American is put in a disadvantage to capital everything falls apart.

😱😱😱

I've been wondering about this. It has a lot of air in in.

It will never collapse. The billionaires now on too much of it. They will guarantee that the government keeps it from collapsing.

They never have before. They pop their golden parachutes and land in the Seychelles til things blow over. The tax payers are usually left with the bill.

I would say 6 months I think it will be that soon judging by our local market

I sold my house in a formerly hot town last spring. While sales haven't fallen off a cliff since, there's definitely more inventory & price reductions. Whether that is a correction of the last few years or signs of something more ominous, only time will tell, but the slowdown is already happening.

Their pockets are deep. They have all the time on their side. Something will have to change.

When PE goofs the paper market. (so, last week?)

Tex that's a tough one. If interest rates drop next month, my crystal ball is fogged. I saw my friend send a vid of a home of hers to sell, private elevator, not sure how many rooms, too many, so there is a market here in N. Tex

I think it already has

Never , the lesson is learned . It became a commodity as bitcoin is . Winter is coming .

I’m in California and have seen dozens of homes go on the market in the past 2 weeks. I live in a wine country area not far from the coast.

I'm guessing as soon as there is a run on the banks by the crypto bros

3…2…1…

In some areas it already has. The Army has plans for climate change. Insurance companies have plans for climate change. Fires and heat waves in the west, drought and tornadoes in the midwest, heat waves, hurricanes and blizzards. Maybe they know something we don't

I say by November. Possibly even October, shit is really going to hit the fan!

September 2026

well just as you want to buy a new upgrade, and then find you are underwater... ah 2008.. lovely times.. still feel saner than today though

3 months

trumpty and his ilk are working on this as fast as they can...

From stuff I've been seeing, it already is ...

As soon as bodies start piling up. And firstly, I'd like to "Justice" John Roberts... and all the little incels: Stephen Miller, Tim Pool, Mike 'Mini Moses' Johnson...

It’s already in crisis… Plus we are being governed by people who wan our land and homes… I could see a collapse within the next 12 months.

Its happening now sales are at a stand still. Prices are dropping thanks to trump,or are blaming Joe still.

2 months

Prices have been stable around here for the previous 12 months. Repo appraisals are increasing. An interest rate increase would quicken the process… 14 months

A cut in interest rates will spur the market. If you see subprime mortgages flourish, 2008 will be close behind. They need more foreclosures.

Who will dare tell us when it does?

🤔

Hopefully never. The idiots in charge would watch as the entire banking system collapses right in front of us!

I'm no expert but homes here in Northern Nevada used to be sold almost as soon as they were listed. Now there are homes in my subdivision that have been on the market for months. Not a good sign

Same here in northeast Florida. Some sitting for 6 months now, when a year ago they would have sold in a week.

It’s starting to show signs already. Home-purchase contracts in the US were canceled at a record rate, with about 58,000 agreements falling through last month. That’s equivalent to 15.3% of homes that went under contract and the highest cancellation rate for a July in data going back to 2017.

🥲. But that’s this wonderful Econ climate that Trump created starting last Jan

But most of that was just people who were overly optimistic about someone buying their house in time for them to buy a new one. What really matters is how many sales *did* go through.

Both statistics are important. 15.3% is a significant cancellation rate. Far beyond someone not selling their house in a timely manner. My family has been custom builders for 60 years (3 generations). Many high builders have been transitioning to renovations for 4-5 months. It’s lack of confidence!

Prolly just flutters lower for the next year. When does the stock bubble burst?

You also have a reset of commercial loans that were 3% going up to 8 to 10plus % happening the next few quarters into 2026. That’s going to be a nice mess.

…a record number of farmers going bankrupt along with a record number of small businesses. The US economy is going to take a long time to recover from the trump disaster.

Almost 40% of the population owns their homes outright, but climbing HOA fees, skyrocketing insurance costs, cost of construction out of control and banks tightening up money supply, it’s going to face a storm. My concern is consumer spending, credit card defaults…..

Personal bankruptcy will be through the roof.

And not being “corporate”, nothing to fall back on.

Already major cracks. Insurance is out of control due to replacement costs, rent defaults and late mortgage payments are high. Difference from 2008 is that many people own their homes outright.

Early next year

Watch the job market and the CPI. When people lose their jobs and inflation pushes prices up, more people will need to sell and fewer people will be able to buy.

My son bought his first house in July. I am glad he got in before he turned 30. I was worried he was never going to own a home.

I told people in 2024 they were going to lose their jobs under Trump. Dems put people to work. It happens every time. Recession with GOP. And it’s worse with Trump tariffs. When people lose their homes who they gonna blame? We will have trillions more in debt so recovery is not going to be easy.

🔜. Over the last few years property prices here have doubled. A $500,000 home is $1M now. Little two bedroom shacks (remodeled inside) are $300,000. A friend of mine sold his three bedroom trailer (not remodeled) for $225,000. I live in a town of 58,000 in 2010 which has swelled to 70,000 today.

People who need to panic sell will never get their money back so they’ll just walk away.

Within the year.

Idk if it will ever truly collapse At least, not until the AI bubble pops and takes the economy with it Private equity can overcome most of the natural economic forces with pure purchasing power Certainly tho local collapses (25-40% decline perhaps) are coming but imo at >$1mil price levels

It’s already starting

When is the most inopportune time? About then prolly

Don't say that! I have a house to sell!

I waiting for POWELL TO CAVE THEN IT'S ALL OVER

Already has, in many places. Southwest Florida for example. Wait till the hurricane hits.

6 months-one year

It’s already happening, not as many houses for sale. People staying put.

My magic 8 ball has been stuck on this for 7 months.

already happening. I've had 1! showing in 4 months. and thats after the price reduced 3 times.

“but the price of eggs”!!!

history repeats itself. in 1789 the wealthy somehow lost their heads over a comment about cake.

Absolutely! They may HAVE more, but there are more of us, and that pushes people to revolt. If we do not learn from the past, it will come back with a vengeance. Witness the anger of the Republican voters in the heartland who are calling out their representatives in Congress, keep it up.

i wish i believed they were republicans at those townhalls. i think they may be the only democratic activists in the area. most republicans (my cousin last month: "you know we're republicans, don't you?) will always be republicans. i haven't asked her if she still thinks he's doing right by the U.S.

I don’t understand this? Is it good or bad? bsky.app/profile/carl...

Sometime between Ja. And Mar. 2026

The experts on the economy and real estate market are saying: we're heading towards a "stagflation" and we're already seeing a slowdown (of sorts) in key states. My guess is, by December, when tariffs are projected to hit hard too, Santa will be bringing some very bad news in his bag.

Santa usually does his/her shopping in late September and October. What with all of Dump Truck’s daily flipping, businesses were not able to keep up, less inventory and high prices will not only kill the holiday cheer, but everything that goes with it. Scrooge on, Mr President.

It’s started in Nevada, they say, with foreclosures as high as in Florida.

I fear the economy is doomed to crash. Our country can’t be mis-managed this badly without dire consequences. And with the turbulent political climate, people won’t just be angry, they will become desperate!

February

Right after the Farming Industry collapses,but Tourism will definitely go to hell first.

It hasn't already?

Less than 6 months, wife and I sold our property and started a “digital nomad” life back in May.

Soon but not with equal consequences across the country. Red states will suffer more, because overall they’re in worse shape economically.

People are staying put. Hiring is slowing. Relocating is slowing. With prices set to climb with added tariffs and supply shrinking, everything is going to freeze the markets and recession is inevitable. Been a while since we had one, so this one could stagnate the economy.

Yup. It’s coming. Hunker down.

Give 2-3 years to really start to bottom out. Near the end of the disastrous Trump presidency it will reach 2008 proportions, maybe even worse.

36k foreclosures nationwide in July. 3600 were in Texas. 1400 of those were in Houston. Feels like 1986 all over again. Layoffs in tech. Intel laid off 110 employees in Austin alone.

Had lunch with my brother yesterday. He lives on a lake with rapid growth of multi-million homes. Said almost all construction has stopped because migrants have left. Performed excavation, foundations, framing, and roofing. Still have plumbers and electricians.

That’s exactly what the Administration doesn’t get-who REALLY keeps our economy running, the immigrants that DO that grunt work! I can’t see an entitled white kid lowering themselves to do that work or work in a field picking strawberries, manicuring a lawn with efficiency or carrying heavy objects.

It’s on the edge, my friend, the abyss…

Unless someone does something, quick, everything collapses all at once. Except for Trump and his businesses, they'll be just fine. Unless...💀

The housing mkt will hold. The stock mkt will crash in September

Agree

It already has: slim to no new units and low expec thereof, decr. fed rates have’nt translated into proportionally lower mortgage rates, only high end RE sells (buyers which don’t req financing). I’ll give you some reverse econ 💭 : that market’s “evaporated” (no buyers, no sellers, no mobility).

3 months

It began last month, but nobody is admitting it yet. When will we really notice it? October.

October is typically a bad stock market month too.

Yes, for those who stimulate the economy for Christmas, it’s gunna suck for them. After years in retail, I know what people will and will not buy. High prices and low availability turns them off. Maybe only one doll this year, sad.😢

Within the next year.

It has started… 2026 down fall !

6 months

It is coming - especially with Trump’s actions on trade!

When the average boomer is 76. There's a point when most of that generation will stop being capable of living alone.

Most homes currently on the market are being bought up by investors and I don t believe for a minute the reason is to hold up the market from collapsing.

December

When rich investors decide it’s time for them to get alot of land for Pennie’s on the dollar…again

Foreclosures are up. 🤷🏽‍♀️

People are selling near me because taxes are so high, it’s cheaper to rent.

That's the $1.9 trillion question, the estimated amount of FY 2025 deficit. If US Treasury note and bond investors get "yippy" again, as they did in April, and longer term rates go higher, 30-yr mortgage rates >7.50%-8.00% would crush home sales. Watch the 10-year rate: >5.00% would be very bad.

I’m in rural Pennsylvania and there are so many homes for sale already pre foreclosure and a more telling sign, vehicles of all kinds at the end of people’s driveways with for sale signs. A storm is coming.

I just made my last mortgage payment today after 47 years of making mortgage payments. they can't touch me now.

Started in Palm Springs also. Canadians have left a lot on the market.

March 2026.

Signs it is already here are present. Main loan types being performed are NonQM due to acceptable alternative qualification methods. Govt loans are needing DPA more than ever. Veterans loans are slow to non-existent. Int rate level has no intrigue riding at 6.5 or higher. Layoff potential increasing

I think by December

I think it already has! No normal hard working family can afford a home but the corps will buy them for dirt cheap. They love a crash! It's the bank crashes that make them piss their pants.

Not soon enough. Houses where I am are literally Double and triple in price vs just 5-6 yrs ago. That is the farthest thing from fkn normal.

Happening now

It won’t collapse b/c venture capitalist will scoop in/cash. What is going to happen 1st will be a collapse of individual ownership & a move toward corporate ownership of family homes. Everyone will be forced to rent.

Like with cars. They are getting too expensive for all but the highest income folks.

You 'rent' an Uber or Lyft or whatever comes next because you cannot afford to purchase or own a vehicle. The subscription economy.

The former United States of America is emulating the board game Monopoly. All of the oligarchs and government are the last few players. Regular people will keep rolling and landing on owned spaces. The rest is elementary.

Monopoly was originally invented to teach people the evils of capitalism.

It’s the mortgage market that will collapse not the housing market. But it won’t be a healthy market.

But people can't afford the prices that Corp housing is charging.

Probably soon. Equity is buying 25% of residential properties. This is completely unsustainable.

He’s going to collapse the dollar because he is hiding money in crypto.

Nothing is going happen soon nationwide. Demand is too high. Resales are strong and new home prices are coming down finally. Rates cuts shortly as well. In the industry — so yeah…

When the investors lose confidence. 3 months or so.

Maybe in a few years depending on how long the current economic policy lasts.

I predict massive foreclosures by April. And the stock market collapse by then as well

I asked this the other day after I read that Powell is considering lowering rates. Going to be 2008 all over again.

He's going to have no choice, since Trump is a fucking idiot.

No choice unless he wants his house raided.

Trump has purchased over $100 million in bonds since January. If interest rates drop, he profits. The economy is so close to recession right now, Powell/the Fed will be forced to lower rates & Trump will get richer. He's a traitor, a convicted fraudster & worse, but he's not a complete idiot.

Nah...really? 🤦🤦 Fuck you MAGAs. This used to be your money.

The stockmarkets went a lot up after Powells speech. Do the never consider why a rate cut might come? The economy is collapsing. Only thing coming up is the inflation..

It could happen at any time, Trumps regime operates on emotion, this is transferred to supporters which could trigger a collapse of confidence affecting economy.

It’s already starting.

Heh. A big chunk of China’s just did.

Any day now

California could sure use an adjustment. Even after the last collapse, things remained ridiculous here.

By spring 2026. It will be worse than the last housing crash.

Bingo

Check out what is happening in Vegas, that will tell you everything

Where I live, builders have been building houses like there’s no tomorrow. This is a bedroom community 30 miles from the Capitol. I should drive around and see how many are empty or for sale.

Not long before the country does, i imagine.

Eat the rich!! Outlaw citizens united and destroy private equity!!!

I have started seeing home pricing decrease. I hope my home doesn't tank to where I initially bought it (68k). If homes do decrease a lot tho...I wouldn't mind getting an investment home and scoop it out from under some stupid private equity. I want those bastards to all fail.

I hope Powell finds his balls and tells the orange dementia ridden child predator to eat a dick.

Soon. Our homes are severely overpriced. Pgh was a unique niche it’s not anymore. An area nearby has raised school taxes 4 times in three years. You look at what the former owner paid. Inflated prices plus taxes make it unaffordable. I’m watching this live. And the homes are junk.

It has started but anytime now it will really crash hard. Trump is deregulating the entire banking system, now add his tariffs on building goods The 2008 Financial Crisis: How Deregulation Led To The Crisis core.ac.uk/download/pdf...

November 21, 2025.

Definitely seeing a start of that here in Florida. Houses were selling before even hitting the market for way more than their value. Now I see them sitting on the market for a long time.

You can track short sales in your area at homes.com