NYC condo market and inflation

Which school of thought is correct? As interest rates rise, fewer buyers can afford condos and priced should decrease? 

Or

As interest rises, cost of building increases and RE is a hedge against inflation and prices for condos increase? 

2 Comments
 
Most Helpful

Honestly, a bit of both. 

General housing trends nationally is as rates rise, home prices should slow as affordability wanes (not controlling for migration and supply deficits). But, the NYC condo/apartment market is a different animal, and there is a lot of differentiation between the type (luxury, not luxury, affordable), location, and supply. You're also going to see some supply and labor difficulties for unfinished units. Right now, it's rebounded significantly, driven by the top of the market. People who left the city in droves are started to re-migrate back, increasing demand, and the types that are buying these units, or units for investment, aren't going to be the one's really influenced by rate movements with all cash bids, or try to lock in fixed rates.

This is just a little easy article to read but there's a lot more nuanced things:https://www.cnbc.com/2022/01/04/manhattan-real-estate-reaches-record-br…

 

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