Beyond the Buildings

• 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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• Americans are moving to risky areas. What will it cost them?

  Environmental risks are accelerating in ways the housing market can’t ignore. At the same time affordability pressures and insurance challenges are reshaping where and how Americans can live. - Natural disasters are starting to influence people’s choice of home. Part of it is safety. A lot of it is price. Still, awareness has not yet tipped the scales, and people continue to move to these popular, but risky, regions. - There are signals that people are shifting where they're migrating to. Just look at Florida where the number of new arrivals has slowed in recent years. - Investing in resilience measures before a disaster strikes can help ease the financial burden of a catastrophe. But how much depends on when — and where — you make that investment. Links: Cotality Insights https://www.cotality.com/insights Climate at Cotality https://www.cotality.com/climate

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• Rethinking property resilience with NASA JPL

  - The NASA Jet Propulsion Laboratory-Cotality report, an 18-month effort, provides a structural risk assessment, projecting potential loss from perils over 100-years. - Cotality and NASA used digital twins to model “what if” scenarios, turning data into actionable insights for planning and resilience.   - Property-level hazard assessments could become a standard practice for federal agencies and large institutions looking to proactively prepare their facilities for the changing environment. Links: Cotality Insights https://www.cotality.com/insights Climate at Cotality https://www.cotality.com/climate

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• What’s really scary about buying a home in 2025?

  The U.S. housing market is facing several “spooky” challenges. Rising costs, higher interest rates, and a growing economic uncertainty are presenting a scary reality homeowners and buyers. These factors are shaping affordability and the way people approach buying and owning a home. - Property taxes have gone up about 30% on average across the U.S. This increase amounts to roughly $1,000 a year for some households. - Rising interest rates are a primary driver of higher rents. When mortgage rates increase, they price out potential homeowners, which increases rental demand. - If a recession occurs, delinquency rates and foreclosures could go up, but they are currently very low. Links: A 13-stop tour of some of the most haunted US places https://www.cotality.com/insights/articles/13-stop-tour-most-haunted-us-places Cotality Insights https://www.cotality.com/insights

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• Energy demand is rising – So are market opportunities

  Shifts in energy demand reach well beyond individual homes – touching insurance risks, utility costs, community planning, and even national strategy. - Cotality Australia’s "Watts it Worth" report experts dive into why sustainable building choices are increasingly important to consider when assessing Australian homes. -Homes with energy efficiency features, especially solar panels, sell for a measurable premium: 2% - 6% more in the U.S. and over 2.7% in Australia. -Both the U.S. and Australian governments have offered incentives to promote individual solar panel use. Links: Watt's it worth report: https://www.cotality.com/au/insights/analysis/watts-it-worth Resilience rebalances the foundations of property: https://www.cotality.com/insights/articles/resilience-rebalances-the-foundations-of-property

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