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Most people stay in houses (statistically) for 7 years. so it really is appreciation of their capital. for a common person its the most leveraged investment one can do because its deem 'safe'. let leverage is 5x-10x depending upon your down payment. so from ROI terms it works out so long as prices steadily march upwards.

I agree its just larger buyer pool chasing slowly increasing supply. but you have to understand the population growth is only needed locally so so long as a metro remains financially viable growth will continue & hence housing prices. Also thanks to some spectacularly BS regulations/nimbyism we cannot build fast enough so that creates extra pressure in coastal centers.




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