How did Washington’s housing plans play out in 2025?

2025 saw a variety of legislative proposals aimed at thawing the U.S. housing market and helping relieve persistent unaffordability. - Ideas like 50-year mortgage terms and portable loans target affordability and the lock-in effect, but face hurdles regarding high interest costs and secondary market feasibility. - The ROAD to Housing bill and light-touch density zoning aim to incrementally boost inventory by incentivizing “missing middle" development. - Escalating natural disaster frequency is intersecting with a shift toward state-based aid, threatening housing resilience and stability. Links: Cotality Insights https://www.cotality.com/insights Cotality home price indexes https://www.cotality.com/products/hpi-and-hpi-forecasts

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