The most important mortgage benchmark in the U.S. ended 2025 on a downward note. Freddie Mac reports the average 30-year fixed-rate mortgage fell to 6.15% on December 31, 2025, the lowest level of
Is Housing Finally a National Priority? Federal Lawmakers Signal Shift
Dated: August 15 2025
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WHAT’S HAPPENING
Congressional leaders are putting real momentum behind housing affordability, with bipartisan support emerging around zoning reform, builder incentives, and infrastructure spending. After years of stalled action, the Housing Supply and Affordability Act now has a real shot at moving forward.
WHY IT MATTERS
If passed, this legislation could unlock billions in funding for local governments that streamline development. It also signals to municipalities that exclusionary zoning and slow permitting may soon have federal consequences.
WHO’S IMPACTED
Buyers: Increased supply could help stabilize pricing over the next 2 to 5 years
Builders and developers: May gain access to new financing mechanisms and fast-track approvals
Local governments: Could be eligible for infrastructure grants if they adopt pro-housing policies
Investors: Should monitor for opportunities tied to tax credits or housing-related incentives
ACTIONABLE STEPS
Multifamily owners: Get ahead by reviewing your zoning entitlements and density overlays
Fix-and-flip and STR investors: Pay attention to jurisdictions that may relax restrictions or accelerate approvals
Agents and teams: Educate your buyers and sellers about how national housing policy may soon impact local supply dynamics
LOCALIZED SIGN-OFF
If Asheville or Buncombe County adjusts zoning or incentives in response to this shift, we could see new infill, density, and mixed-use projects over the next 12 to 24 months.
Curious how this applies to your next Asheville investment? Let’s discuss.
Darien Bodenhorst
Born in Boston, raised in Asheville. I’ve spent my life building deep roots through family, business, and community. With over 12 years of personal real estate investing experience from full-scale r....
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Data is updated as of September 28, 2026 5:38 AM UTC
