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Everyone is finally admitting it — the U.S. housing market is in a recession. The question is, how big will it get, and why have home buyers stopped buying? It all comes down to affordability. Today, the cost to buy a home relative to income is at the highest level in 40 years. That means millions of Americans are priced out, unable to even qualify for a mortgage. The result? Collapsing buyer demand. Home sales have dropped to their lowest level in three decades, as buyers run scared from this m
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