--- title: What do the current economic conditions mean for housing prices? - Mahlen Financial description: If you are going through a divorce or planning to sell your home for any reason, you may be curious how rising interest rates and market uncertainty impact housing prices now and in the future. In this post, we answer the top four top questions you likely have in mind if you are considering selling your home in your divorce. image: https://amf-divorce.com/hubfs/Imported_Blog_Media/qtq80-3DOMC6.jpeg --- ## A.M. Financial - [Services](https://amf-divorce.com/divorce-transition-services) - [Service Plan](https://amf-divorce.com/service-plan) - [Frequently Asked Questions](https://amf-divorce.com/frequently-asked-questions) - [Our Blog](https://amf-divorce.com/our-blog) - [About Amy](https://amf-divorce.com/about-amy) - [Contact Us](https://amf-divorce.com/contact-us) - [Services](https://amf-divorce.com/divorce-transition-services) - [Services](https://amf-divorce.com/divorce-transition-services) - [Service Plan](https://amf-divorce.com/service-plan) - [Frequently Asked Questions](https://amf-divorce.com/frequently-asked-questions) - [Our Blog](https://amf-divorce.com/our-blog) - [About Amy](https://amf-divorce.com/about-amy) - [Contact Us](https://amf-divorce.com/contact-us) [Book a Meeting](https://calendly.com/amymahlenmelander/consultdivorcefinancialplanning) # What do the current economic conditions mean for housing prices? June 01, 2022 4 minutes to read If you are going through a divorce or planning to sell your home for any reason, you may be curious how rising interest rates and [market uncertainty](https://mahlenfinancial.com/market-uncertainty-impact-my-divorce/) impact housing prices now and in the future. It’s a time when many homeowners are questioning whether it’s the right time to sell or even buy a new home post-divorce. Denver real estate expert, [Shirley Jenkins](https://shirleyjenkins.kw.com/), recently provided some insights on what to consider relative to housing prices in the current market conditions. In this post, Shirley answers four top questions you likely have in mind if you are considering [selling your home in your divorce](https://mahlenfinancial.com/separate-vs-marital-property/). ## How have rising interest rates impacted housing prices? Rising interest rates impact a buyer’s purchasing power. Every time interest rates go up, purchasing power decreases. For example, if someone is pre-qualified for $500K and interest rates go up even a quarter of a point, they now only qualify for about $485K, a fraction of that $500K. This dynamic can slow the housing market out of fear and slow home purchases because a buyer can’t afford the type of home they desire. ## Has an increase in interest rates been offset by a decline in prices? While it might seem like this should be the case, it is unlikely that we’ll see a decline in prices even with rising interest rates. This will vary slightly based on neighborhoods and price points with more competition. Similarly, interest rates aren’t impacting inventory like you might expect.  Because real estate is hypersensitive to neighborhoods, mainly due to school districts and tax implications of certain areas, prices can be relatively stable in popular neighborhoods which have a great reputation, low inventory, and homes of a desirable age. This makes pricing a home difficult and you may have to test the market to find the right price in such a volatile market. ![](https://amf-divorce.com/hs-fs/hubfs/Imported_Blog_Media/qtq80-226Ocr-300x200.jpeg?width=300&height=200&name=qtq80-226Ocr-300x200.jpeg) ![](https://amf-divorce.com/hs-fs/hubfs/Imported_Blog_Media/qtq80-226Ocr-300x200.jpeg?width=300&height=200&name=qtq80-226Ocr-300x200.jpeg) ## Where do you expect interest rates and home prices to head through the end of this year and into 2023? Experts in the field believe that the market won’t change that much in the way of home prices over the next year, but interest rate hikes will likely continue to happen. The market will be somewhat status quo, with most trusted advisors predicting one interest rate hike still this year and one at the beginning of next year. Interest rates of 5-7% will become the new normal and will likely settle in the mid-6’s within the next 12-18 months.    ## What else is important to know about selling a home in this environment?   Keep market perception in mind, which can be a confusing phenomenon. Buyers and sellers perceive the market almost always six months in arrears. In other words, they perceive market conditions that were a reality six months ago. This leads to sellers being shocked that they can’t list their home as high as they would like. It’s difficult to keep up with the reality of real estate at the pace it changes. Said another way, it takes about six months to shift perspectives to actual market conditions.In these confusing and unpredictable market conditions, it is critical to find a realtor who truly trusts and understands how this market impacts your ability to buy and sell real estate, especially if you are going through a divorce. [Amy Mahlen of A.M. Financial](https://mahlenfinancial.com/contact-us/) can support your decision by providing insight into the financial aspects your budget and what you can afford in this volatile market. If you have additional questions about the Denver real estate market and what to expect from this real estate market, [contact Shirley Jenkins](https://shirleyjenkins.kw.com/) to learn more about how she supports clients in their real estate needs. - - - - - [mailto:?subject='https://amf-divorce.com/our-blog/current-economy-housing-prices'](mailto:?subject='https://amf-divorce.com/our-blog/current-economy-housing-prices') [Interest Rates](https://amf-divorce.com/our-blog/tag/interest-rates), [Property](https://amf-divorce.com/our-blog/tag/property), [Investments](https://amf-divorce.com/our-blog/tag/investments) ### Related Posts ## [What should we do with the home in our divorce? ](https://amf-divorce.com/our-blog/home-in-divorce) If you are going through a divorce, one of the top questions likely on your mind is what to do... [CONTINUE READING](https://amf-divorce.com/our-blog/home-in-divorce) ## [Refinancing Considerations with Higher Interest Rates in Divorce: The Pros and Cons](https://amf-divorce.com/our-blog/refinancing-considerations-with-higher-interest-rates-in-divorce-the-pros-and-cons) Divorce is undoubtedly a challenging process, and when combined with financial decisions like... [CONTINUE READING](https://amf-divorce.com/our-blog/refinancing-considerations-with-higher-interest-rates-in-divorce-the-pros-and-cons) ## [Keeping the Marital Home? Interest Rates Aren’t the Only Challenge](https://amf-divorce.com/our-blog/keeping-the-marital-home-interest-rates-arent-the-only-challenge) Divorce is a challenging process, and one of the most significant decisions couples face is whether... [CONTINUE READING](https://amf-divorce.com/our-blog/keeping-the-marital-home-interest-rates-arent-the-only-challenge) ### Posts by Tag - [Divorce (59)](https://amf-divorce.com/our-blog/tag/divorce) - [Finances (39)](https://amf-divorce.com/our-blog/tag/finances) - [Divorce Budgeting (33)](https://amf-divorce.com/our-blog/tag/divorce-budgeting) - [Planning (33)](https://amf-divorce.com/our-blog/tag/planning) - [Financial Planning (28)](https://amf-divorce.com/our-blog/tag/financial-planning) - [Budgeting (23)](https://amf-divorce.com/our-blog/tag/budgeting) - [Taxes (20)](https://amf-divorce.com/our-blog/tag/taxes) - [Assets (10)](https://amf-divorce.com/our-blog/tag/assets) - [Retirement Accounts (10)](https://amf-divorce.com/our-blog/tag/retirement-accounts) - [Divorce Options and Methods (9)](https://amf-divorce.com/our-blog/tag/divorce-options-and-methods) - [Maintenance (9)](https://amf-divorce.com/our-blog/tag/maintenance) - [Child Support (8)](https://amf-divorce.com/our-blog/tag/child-support) - [Investments (8)](https://amf-divorce.com/our-blog/tag/investments) - [Retirement (8)](https://amf-divorce.com/our-blog/tag/retirement) - [Property (7)](https://amf-divorce.com/our-blog/tag/property) - [Real Estate (7)](https://amf-divorce.com/our-blog/tag/real-estate) - [Spousal Support (7)](https://amf-divorce.com/our-blog/tag/spousal-support) - [Emotions (6)](https://amf-divorce.com/our-blog/tag/emotions) - [Family (6)](https://amf-divorce.com/our-blog/tag/family) - [Mediation (5)](https://amf-divorce.com/our-blog/tag/mediation) - [Property Division (5)](https://amf-divorce.com/our-blog/tag/property-division) - [Separation (4)](https://amf-divorce.com/our-blog/tag/separation) - [Co-Parenting (3)](https://amf-divorce.com/our-blog/tag/co-parenting) - [Coaching (3)](https://amf-divorce.com/our-blog/tag/coaching) - [Court (3)](https://amf-divorce.com/our-blog/tag/court) - [Estate Planning (3)](https://amf-divorce.com/our-blog/tag/estate-planning) - [Kids (3)](https://amf-divorce.com/our-blog/tag/kids) - [Retirement Planning (3)](https://amf-divorce.com/our-blog/tag/retirement-planning) - [Tips (3)](https://amf-divorce.com/our-blog/tag/tips) - [Counseling (2)](https://amf-divorce.com/our-blog/tag/counseling) - [Home (2)](https://amf-divorce.com/our-blog/tag/home) - [Interest Rates (2)](https://amf-divorce.com/our-blog/tag/interest-rates) - [Lawyer (2)](https://amf-divorce.com/our-blog/tag/lawyer) - [Mediator (2)](https://amf-divorce.com/our-blog/tag/mediator) - [CFI (1)](https://amf-divorce.com/our-blog/tag/cfi) - [College (1)](https://amf-divorce.com/our-blog/tag/college) - [Do It Yourself (1)](https://amf-divorce.com/our-blog/tag/do-it-yourself) - [Gifts (1)](https://amf-divorce.com/our-blog/tag/gifts) - [Healthcare (1)](https://amf-divorce.com/our-blog/tag/healthcare) - [Inflation (1)](https://amf-divorce.com/our-blog/tag/inflation) - [Insurance (1)](https://amf-divorce.com/our-blog/tag/insurance) - [Litigation (1)](https://amf-divorce.com/our-blog/tag/litigation) - [PRE (1)](https://amf-divorce.com/our-blog/tag/pre) - [Remarriage (1)](https://amf-divorce.com/our-blog/tag/remarriage) - [Stock (1)](https://amf-divorce.com/our-blog/tag/stock) - [Stock Market (1)](https://amf-divorce.com/our-blog/tag/stock-market) - [Transfers (1)](https://amf-divorce.com/our-blog/tag/transfers) - [Travel (1)](https://amf-divorce.com/our-blog/tag/travel) See all ##### About Amy With compassion and patience, Amy focuses on her client’s unique priorities to build a financial road map that provides clarity to make informed decisions today regarding the future. ##### Links - [Home](https://amf-divorce.com) - [Services](https://amf-divorce.com/divorce-transition-services) - [Our Blog](https://amf-divorce.com/our-blog) - [About Amy](https://amf-divorce.com/about-amy) - [Contact Us](https://amf-divorce.com/contact-us) - [Schedule a Meeting](https://calendly.com/amymahlenmelander) ©2026 Copyright. All rights reserved. A.M. Financial provides supporting financial information, evaluation and analysis to be utilized by the client and the client’s selected attorney if directed, during the process of their divorce. ervices provided in regards to this agreement are solely fee-only and do not involve investment or security advice or insurance transactions. All information is financial in nature and should not be construed or relied upon as legal or tax advice. A.M. Financial IS NOT AN ATTORNEY AND DOES NOT PROVIDE LEGAL OR TAX ADVICE. Individuals are encouraged to seek competent legal and tax advice from professionals who specialize in divorce and tax laws in their respective state. Amy Melander (CRD #4692263) is an Investment Adviser Representative of OneDigital Investment Advisors, LLC (ODIA). ODIA and A.M. Financial are independent and unaffiliated entities. ODIA does not offer or provide divorce financial planning services and any statements and/or opinions expressed by A.M. Financial do not represent the views and/or opinions of ODIA.   This website is a publication of A.M. Financial. Information presented is believed to be factual and up-to-date, but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. Content should not be viewed as personalized investment advice or as an offer to buy or sell, or a solicitation of any offer to buy or sell the securities mentioned herein. A professional adviser should be consulted before implementing any of the strategies presented. Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, CFP® (with plaque design) and CFP® (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements. ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Amy Mahlen", "url" : "https://amf-divorce.com/our-blog/author/amy-mahlen" }, "dateModified" : "2023-06-01T12:43:48.065Z", "datePublished" : "2022-06-01T12:39:47.000Z", "headline" : "What do the current economic conditions mean for housing prices? - Mahlen Financial", "image" : [ "https://amf-divorce.com/hubfs/Imported_Blog_Media/qtq80-3DOMC6.jpeg" ], "mainEntityOfPage" : { "@id" : "https://amf-divorce.com/our-blog/current-economy-housing-prices", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://amf-divorce.com/hubfs/amf-divorce-logo.jpg" } } } ``` ```json { "@context" : "http://schema.org", "@type" : "BlogPosting", "articleBody" : "If you are going through a divorce or planning to sell your home for any reason, you may be curious how rising interest rates and market uncertainty impact housing prices now and in the future. It’s a time when many homeowners are questioning whether it’s the right time to sell or even buy a new home post-divorce. Denver real estate expert, Shirley Jenkins, recently provided some insights on what to consider relative to housing prices in the current market conditions. In this post, Shirley answers four top questions you likely have in mind if you are considering selling your home in your divorce. How have rising interest rates impacted housing prices? Rising interest rates impact a buyer’s purchasing power. Every time interest rates go up, purchasing power decreases. For example, if someone is pre-qualified for $500K and interest rates go up even a quarter of a point, they now only qualify for about $485K, a fraction of that $500K. This dynamic can slow the housing market out of fear and slow home purchases because a buyer can’t afford the type of home they desire. Has an increase in interest rates been offset by a decline in prices? While it might seem like this should be the case, it is unlikely that we’ll see a decline in prices even with rising interest rates. This will vary slightly based on neighborhoods and price points with more competition. Similarly, interest rates aren’t impacting inventory like you might expect. Because real estate is hypersensitive to neighborhoods, mainly due to school districts and tax implications of certain areas, prices can be relatively stable in popular neighborhoods which have a great reputation, low inventory, and homes of a desirable age. This makes pricing a home difficult and you may have to test the market to find the right price in such a volatile market. Where do you expect interest rates and home prices to head through the end of this year and into 2023? Experts in the field believe that the market won’t change that much in the way of home prices over the next year, but interest rate hikes will likely continue to happen. The market will be somewhat status quo, with most trusted advisors predicting one interest rate hike still this year and one at the beginning of next year. Interest rates of 5-7% will become the new normal and will likely settle in the mid-6’s within the next 12-18 months. What else is important to know about selling a home in this environment? Keep market perception in mind, which can be a confusing phenomenon. Buyers and sellers perceive the market almost always six months in arrears. In other words, they perceive market conditions that were a reality six months ago. This leads to sellers being shocked that they can’t list their home as high as they would like. It’s difficult to keep up with the reality of real estate at the pace it changes. Said another way, it takes about six months to shift perspectives to actual market conditions.In these confusing and unpredictable market conditions, it is critical to find a realtor who truly trusts and understands how this market impacts your ability to buy and sell real estate, especially if you are going through a divorce. Amy Mahlen of A.M. Financial can support your decision by providing insight into the financial aspects your budget and what you can afford in this volatile market. If you have additional questions about the Denver real estate market and what to expect from this real estate market, contact Shirley Jenkins to learn more about how she supports clients in their real estate needs.", "author" : { "@type" : "Person", "name" : "Amy Mahlen", "sameAs" : "", "url" : "https://amf-divorce.com/our-blog/author/amy-mahlen" }, "dateModified" : "01/06/2022", "datePublished" : "01/06/2022", "headline" : "What do the current economic conditions mean for housing prices?", "image" : { "@type" : "ImageObject", "height" : 400, "url" : "https://cdn2.hubspot.net/hubfs/39875594/Imported_Blog_Media/qtq80-3DOMC6.jpeg", "width" : 750 }, "mainEntityOfPage" : "https://amf-divorce.com/our-blog/current-economy-housing-prices", "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "" }, "name" : "A.M. Financial", "url" : "amf-divorce.com" } } ```