The average tax refund in 2026 is $3,521, but rising home prices mean it now takes about 12.66 refunds to cover a 10% down payment on a median-priced home, up from 6.86 in 2009. Lower down payment programs reduce this number significantly, though closing costs remain. Using high-yield savings accounts and combining savings methods can shorten the time needed to afford homeownership despite higher upfront...
Miami is experiencing a housing affordability crisis despite a low unemployment rate. Many residents, like Bárbara Aguilar, are forced to work multiple jobs to cover expenses due to soaring living costs. The median home price has doubled since 2018, making it hard for low-wage workers to find affordable housing. The city's fastest-growing jobs pay $19 or less per hour. Some employers are building...
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