The Truth About Housing Appreciation Over the Last 83 Years

When it comes to building wealth, there’s simply no investment that matches the consistent returns of real estate. The following chart displays 83 years of home appreciation data, dating back to 1942. In that time, housing values have risen in 74 out of 83 years and only declined 7 times, most of which were tied to the housing crisis caused by risky lending practices. Since then, new industry safeguards have been implemented to prevent such incidents from happening again.

➡️ CLICK HERE to view the Home Appreciation chart.

So, Why are Home Prices Continuing to Climb?

CLICK HERE to learn how the ongoing housing shortage is driving values higher, even in a market with higher interest rates.

Why This Matters for Renters and Buyers

If you’re renting, you’re missing out on one of the most powerful wealth-building opportunities available. Even during periods of higher interest rates, housing appreciation continues to push home values higher. That means the longer you wait:

• Your dream home becomes more expensive every year.
• Your required down payment grows as prices rise.
• You miss out on equity gains that homeowners are capturing.

Waiting for rates to drop doesn’t guarantee savings; in fact, when rates do decline, competition and bidding wars will push prices even higher.

➡️ CLICK HERE to see the numbers and how waiting erases any potential savings by waiting for a lower rate.

The Supply & Demand Reality

Here’s the real reason prices continue to climb:

• Seven (7) Qualified Renters/Buyers For Every Available Home: CLICK HERE to see the numbers
• Builders Can’t Build Fast Enough To Match Household Growth: CLICK HERE to see the numbers
• Low Supply + High Demand = Higher Prices: CLICK HERE to see the numbers.

Increasing home prices isn’t a temporary spike; it’s Economics 101.

➡️ CLICK HERE to see how buyers who purchased just a year ago are already building wealth through home equity, while renters are falling behind.

The Smart Strategy: Buy Now, Build Wealth

With our 100% financing programs (rates starting in the 5s, no monthly MI), becoming a homeowner is more affordable than you think. Pair that with seller-paid concessions covering closing costs, and many renters discover they can buy a home sooner than expected.

➡️ CLICK HERE to see why waiting costs you more than buying now!

Stop Building Your Landlord’s Wealth

Every month you rent, you’re helping someone else build equity. By making a purchase today, you begin to reap the benefits of appreciation, build wealth, and achieve stability and freedom for your future.

If you have any questions or need more information about our portfolio loan programs, zero down mortgage options, or affordable home financing solutions, please don’t hesitate to CONTACT ME. My team and I are here to help you every step of the way!

Ready to Start Your Home Journey?

➡️ CLICK HERE to submit your loan application today!

Best regards,

Michael Thayer, CMPS, CMA

NMLS #173264

Cadence Bank, NMLS #410279

** Disclaimer **

The numbers and data presented here are subject to change daily or monthly. This information is provided for general discussion purposes only and does not constitute a formal quote or offer to extend credit. Don't hesitate to contact us directly for a personalized quote based on your financial situation.

Mortgages are subject to approval. Conditions apply. Not a commitment to lend. © 2025 Cadence Bank. Member FDIC. Equal Housing Lender. NMLS 410279.