U.S. housing affordability is showing an interesting turn. The median monthly housing payment has retreated to its lowest point in two years—a significant shift for the market. Coupled with the recent decline in 30-year fixed mortgage rates dropping toward 6%, this creates a different landscape for potential homebuyers. What's equally noteworthy is that wages have climbed roughly 10% over the same two-year period. This combination of factors—lower payment obligations, more favorable borrowing costs, and stronger income growth—could reshape consumer purchasing power and discretionary spending capacity, which has downstream implications for both traditional markets and asset allocation strategies.