First-time home buyers are at historic lows. They make up about 21% of the market, according to the National Association of Realtors. The normal share used to be closer to 40%. The median age is now around 40 years old. High mortgage rates are a big factor. Low starter-home inventory makes it worse. Cash and equity-rich buyers are winning bidding wars. Many blame policies influenced by the Federal Reserve. Others say the system is simply unaffordable for first-time buyers.
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