The recent drop in mortgage rates below 6.5% has led to increased housing affordability. This development has raised the question of who can now afford to buy a home. The decrease in rates has made home ownership more accessible to a larger segment of the population. This shift in affordability has sparked interest among potential homebuyers, with many now considering entering the housing market. The lowered rates have made it possible for more individuals and families to secure home loans and purchase properties. This change in the housing market dynamic highlights the impact that mortgage rates can have on the accessibility of home ownership.