Why Buying a Home Feels Impossible in 2025 (But Might Not Be)

Home prices haven’t skyrocketed this year, so why does buying a home feel more out of reach than ever? If you've been asking that lately, you’re not alone.

In this video, I break down exactly why affordability feels so stretched in 2025, even when prices are flat or falling. We’ll dive into what buying power really means, how interest rates, spending habits, and debt-to-income ratios affect your budget and why a $350K house now costs $800+ more per month than it did just four years ago.

You’ll also learn:
📉 How higher mortgage rates are crushing affordability
📊 Real math on $350K payments from 2020 to 2025
💰 How spending habits and car payments sabotage your approval
🧠 Practical ways to stretch your buying power, without earning more
🚨 Why smart planning matters more than ever in today’s market

If you're feeling stuck, frustrated, or just unsure about what you can afford, this breakdown is for you.

Need help running your real numbers or planning your move? Reach out anytime.

Cody Posey – New Braunfels Realtor
🔗 cposeyrealestate.com
📞 (830) 360-5569
📧 [email protected]

New here? I’m Cody Posey, Real Estate Agent in New Braunfels. Comment “Hill” to get your free all-in-one real estate guide.


00:00 – Why Everything Feels Unaffordable
00:57 – What Is Buying Power Really?
01:40 – What 3% Interest Rates Did to Demand
03:26 – Real Payment Math: $350K Home (2020–2025)
05:45 – Wages vs Mortgage Increases
07:00 – How Credit Card, Debt & Spending Kill Your Budget
10:15 – Stop Buying on FOMO
11:00 – How to Boost Buying Power Without More Income
14:22 – Final Thoughts: You Can Still Do This