Affordability is always top of mind, especially for military families looking to settle in Duval County. Nationally, three things shape what you can actually afford: where mortgage rates are heading, whether incomes keep rising, and how quickly home prices are climbing—or, hopefully, slowing down. Real relief for buyers doesn’t just come from one of these shifting; it’s the way they work together that matters. The index I follow looks at how much of your income goes toward a monthly payment. When rates drop, incomes rise, or home prices cool off, your situation improves. When any of those tilt the other way, it gets tougher. For anyone keeping an eye on the market, especially VA buyers, watch these three signals: interest rates, your own earning power, and whether home prices are finally catching their breath. That’s how I help Duval families find a home that won’t stretch them too thin—by keeping it real, reading the signals, and knowing what matters most to those who serve.
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