Millennium reviews wealth – Bitcoin or 30-year mortgages?

The American debt in the household just hit 18T dollars, mortgage rates are brutal, and Bitcoin’s separate stern is intensified. Is the old road to the wealth of breaking?

The property is slowing down – fast

For years, real estate was one of the most reliable ways to build a wealth. Household values ​​generally grow over time and property property is considered a secure investment.

But currently, the housing market shows signs of slowing down, unlike anything seen in years. Homes are sitting on the market longer. The sellers are narrowed down. Customers fight with high mortgage rates.

According to recent data, the average home now sells by 1.8% below the requested price – the biggest discount in almost two years. Meanwhile, the time required for the sale of a typical house stretched for 56 days, marking the longest weeks in five years.

Florida is a slowdown even more pronounced. In cities like Miami and Fort Lauderdale, over 60% Listings The rest are unsold for more than two months. Some homes in the state are sold for as much as 5% below their price listed – the oldest discount in the country.

At the same time, Bitcoin (Btc) It is becoming an increasingly attractive alternative for investors looking for scarce, precious assets.

The BTC recently hit its time of $ 109,114 before retiring to $ 95,850 from 19. February. Even with DIP, BTC is still up Over 83% in the past year, which was guided attack Institutional demand.

So how is real estate becoming more difficult to sell and more expensive, it could appear Bitcoin as a superior value store? Let’s find out.

From the hedge for scarcity for the mind for liquidity

The housing market experiences a sharp slowdown, weight with high mortgage rates, inflated prices of domestic and decreasing liquidity.

Average 30-year mortgage rate remains 6.96% high, sharp in contrast to the rates of 3% -5% of the usual before the pandemic.

Meanwhile, the average American price of domestic sales has increased by 4% handling years, but this increase has not been translated into stronger market-accessibility on request require demand.

Several key trends signify this shift:

• The middle time for the home to go under the contract jumped for 34 days, a sharp increase in previous years, signal the cooling market.
• Complete 54.6% of homes are now sold below their price, a level that is not seen in years, while only 26.5% selling above. The sellers are increasingly forced to adjust their expectations while customers receive more levers.
• The ratio of the price of medium-sized sales and fell to 0.990, reflecting stronger negotiations on the buyer and the fall of the seller’s power.

Not all homes, however, are affected equally. Properties on the main locations and condition of saving continue to attract customers, while in less desirable areas or require renewal faces steep discounts.

But with the lending costs they increased, the housing market has become a far less liquid. Many potential sellers do not want to share with their low mortgages with fixed speeds, while customers are fighting with greater monthly payments.

This lack of liquidity is a basic weakness. Unlike Bitcoin, which can be traded 24/7 with non-executed execution, real estate transactions are slow, expensive and often lasts for months to finish.

How economic uncertainty is held, and capital and capital requires more efficient values ​​of values, obstacles to entry and controversial real estate liquidity become great shortcomings.

Too many homes, too little a few coins

While the housing market is struggling with growing stock and weak liquidity, Bitcoin experiences the opposite – a supply of supply that encourages institutional demand.

Unlike real estate, which affect debt cycles, market conditions and in progress that expands the supply, total bitcoin supply It is permanently limited to 21 million.

The absolute scarcity of bitcoin is now a sudden with data demand, especially from institutional investors, strengthening the role of Bitcoina as a long-term value store.

Place approval Bitcoin ETFS At the beginning of 2024. He launched a huge wave of institutional inflows, dramatically switching the balance of supply demand.

Of their launch, these ETFS have attracted Over 40 billion net inflows, with financial giants Balkrock, Grayand Fidelity Control of most investments.

Surga for demand absorbs Bitcoin on an unprecedented rate, with daily ETF purchases in the range of 1,000 to 3,000 BTCs – far over 500 new coins mined every day. This growing offer deficit consists of bitcoin increasingly sensible in the open market.

At the same time, Bitcoin reserve thrown to 2.5 million BTC, the lowest level in three years. More investors entails their exchange from the exchange, signaling a strong conviction in the long-term potential of Bitcoin, and not treating him as short-term trade.

Further reinforcing this trend, long-term holders are still dominated by dominating. From December 2023. year, 71% of all bitcoin remained intact for more than a year, emphasizing the deep commitment of investors.

Although this figure has declined slightly at 62% of 18. February, a wider trend of points on Bitcoin becomes increasingly stronger funds over time.

Flippening doesn’t come – it’s here

Since January 2025. years, median American price in the house stalls to $ 350,667, with a mortgage rate that float close to 7%. This combination was pushed by the monthly payment of a mortgage on a record high quantity, making the ownership of the house all an inadministration for younger generations.

To put this in perspective:

• From 20% of Panta on the home in the middle price, it now exceeds $ 70,000 – the digit that in many cities exceeded the overall home price of previous decades.
• The first-time Purchasers now represent only 24% of total customers, historical language low compared to a long-term average of 40% -50%.
• The total American debt of households increased to $ 18.04 trillion, with mortgage balance sheets accounting by 70% of the total-reflection of the growing financial burden of ownership owned by the house.

Meanwhile, Bitcoin surpassed real estate over the past decade, boasting The complex annual growth rate (Cagr) of 102.36% from 2011 – compared to a residential 5.5% of the cache during the same period.

But outside the return, a deeper generation develops. Millenniums and Gen Z, raised in the digital first world, see traditional financial systems as slow, rigid and outdated.

The idea of ​​having decentralized, property without limits like Bitcoin is far more attractive than to tie for a 30-year mortgage with unpredictable taxes and insurance costs and maintenance costs and maintenance costs.

Surveys propose The younger investors are increasingly determined by financial flexibility and mobility owned by the house. Many prefer the rental and storage of liquid assets, not to be real estate illiquidity.

Betcoin return, a district of the round-clock and resistance to censorship are perfectly aligned with this way of thinking.

Does that mean that real estate becomes obsolete? Not entirely. The hedge against inflation and valuable means in high demand areas remains.

But inefficiency of the housing market – in combination with the growing institutional acceptance of bitcoin – reshaping investment preferences. For the first time in history, the digital means competed directly by physical real estate as long-term value stores.

The question is no longer whether Bitcoin is an alternative to real estate – it’s time quickly adjustments in this new reality.