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Waiting for a Recession to Buy a Home? This Realtor Weighs In

Here are the most important things to know about mortgage rates during an economic downturn.

The economy’s been all over the place lately. Inflation might be coming down, but rising tariffs, stock market dips and global uncertainty are keeping everyone on edge. With mortgage rates bouncing around, homebuyers are asking me, Will housing become more affordable in a recession?

After more than 20 years in real estate, I’ve seen my share of ups and downs, from boom times to full-blown crashes, like 2008. The truth? There’s always opportunity, even in a downturn. The market doesn’t stop during a recession. It just shifts. And if you’re ready, that shift can actually work in your favor.

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Let’s break down what a recession really means for mortgage rates, home prices and your opportunity to buy a home. 

Is a recession on its way?

There are plenty of recession warning signs right now. Layoffs are picking up, GDP is slowing and consumer confidence has dipped. Paychecks aren’t going as far, and retirement accounts are taking hits. 

While less disposable income and tighter budgets point to a general slowdown in the economy, technically, we’re not in a recession. Not yet. It would take two consecutive quarters of negative GDP growth to hit that definition. But for a lot of folks, it already feels like one. 

High prices and inflation aren’t the same thing. Even if the inflation rate isn’t going up, the cost of everyday goods and services is still high, and budgets are getting hammered. When folks feel the squeeze every time they swipe a card at the grocery store, it shapes how they think about making huge purchases like a home.

Will the Fed cut interest rates?

Borrowing costs have been expensive for the last several years, making households and businesses wary about taking out loans. The Federal Reserve will probably cut interest rates again later this year, eventually making financing cheaper. 

But those cuts won’t come for a while. The Fed’s a bit stuck right now. The economy’s losing steam and inflation is cooling, but not fast enough. The central bank is being cautious about shifting policy, especially with tariffs driving prices back up.

Though lower interest rates will eventually impact the housing market, the Fed doesn’t directly control mortgage rates. Mortgage rates move based on many factors, such as the bond market and investor expectations. Even when the Fed starts cutting rates again, don’t expect mortgage rates to drop like crazy. Many of those expected cuts are already priced into the market. 

Will mortgage rates drop in a recession?

Mortgage rates often fall during an economic depression, as we saw recently in 2020 and earlier in 2008. Lower rates help boost the economy, and the Fed knows that.

But this time around, things are messier. There’s volatility everywhere. Even though rates could drop, they might also shoot back up with any good economic news. Like many experts in the real estate industry, I think average rates for a 30-year fixed mortgage will hover between 6.5% to 7.25% for most of 2025, with weekly jumps and dips in that range. 

If you’re holding out for 4% or 5% mortgage rates, you may be waiting longer than you’d like. It’s going to take far more negative economic news to see rates fall in a big way.

It’s also worth pointing out that your personal financial situation matters more than your interest rate. If you’ve got a solid stream of income and a long-term plan for paying off a home loan, waiting for a perfect rate might not be worth it.

Will home prices go down in a recession?

Home prices are the big question. And the answer is… they won’t likely go down in a big way.

Historically, home prices don’t fall much during recessions. The 2008 housing crash was the exception, not the rule. What we’ll probably see is slower appreciation or small dips in certain markets, especially in areas hit by higher insurance costs, taxes or natural disasters (Florida, Texas and Louisiana come to mind).

But nationwide, we’re still dealing with low inventory. Until that changes, it’s hard to see prices dropping dramatically. Plus, given high construction and labor costs, it’s clear home prices aren’t falling off a cliff anytime soon.

Is it cheaper to buy a home during a recession?

If you’re financially stable, it could be cheaper to buy a home in a recession. You might find better deals, less competition and more negotiating power. But if lending tightens, getting a loan could get tougher. That’s something we’re already starting to see with condos and certain types of properties.

And don’t overlook the «wealth effect.» When people feel wealthier, like when their stock portfolio or home value is up, they’re more confident making big purchases. 

But when those numbers start to slide, or there’s even a threat of job insecurity, even if nothing’s really changed day to day, people pull back. That affects buyer activity in a big way. If someone just lost $20,000 in their 401(k), they’re not rushing to get a new mortgage.

What’s the best time to buy a home? 

The best time to buy a home is when it makes sense for you. If you’ve got a steady income and strong credit, and you’re ready to settle down, a recession could actually work in your favor. 

Just don’t wait around for some magical «perfect time» to take out a mortgage. The green light most people are waiting for doesn’t exist. But if you prepare, stay informed and work with the right team, you can make a smart move no matter what the economy’s doing.

Technologies

I Spent Some Time With Samsung’s AI Appliances. Is the Cost Worth The Hype?

AI-powered dishwasher, fridge, oven, washer and vacuum may sound cool but after comparing the cost to non-AI appliances, I’m not sure you’re getting more value.

Every company is working hard to put AI in all your home appliances. Samsung is no exception. It showcased a range of AI-powered appliances during CES 2024 and CES 2025. Highlighting smart fridges, dishwashers, ovens, washing machines and dryers, Samsung’s smart home appliances integrate AI features, LCD touchscreens, cameras, auto-open doors and other features to improve your day-to-day cooking, clothes washing and cleaning. 

None of these AI features are particularly new. All of them have existed on previous iterations of Samsung’s lineup but it’s become increasingly clear that home appliances are going to get AI in them, regardless of need.  

Samsung invited me to Samsung Home Studio to see how the AI-powered features work but what I really looked at was how much of this AI is actually useful for you as a customer. Is it worth the hype and the extra cost?

Here’s what I learned and why I ultimately think the AI revolution for home appliances isn’t quite there yet.  

Samsung Bespoke AI Kitchen Appliances 

Samsung is introducing four bespoke refrigerator models (some of which were showcased at CES). The largest of which is the Bespoke AI 4-Door Refrigerator with AI Family Hub+ and AI Vision Inside. All the models (with exception to the Bespoke 4-Door Flex Refrigerator) are available for preorder starting now on Samsung.com for $1,000 off and come with an additional year of warranty. 

AI is back, but not significantly improved 

The first thing I noticed with Samsung’s 4-door refrigerator is the 32-inch LCD touchscreen on the front. It’s the largest I’ve ever seen on a home appliance and, according to Samsung, the largest in the industry. But it’s not particularly new or notable. AI Family Hub has appeared on previous models of Samsung fridges, giving you access to apps such as YouTube and TikTok, showing recipes, setting reminders, creating a grocery list and more.
I’ve never been a huge fan of putting a touchscreen on everything; I err on the side of having physical controls whenever possible. That said, the 32-inch screen is big and bright and serves the same function as my Amazon Echo Show 8: it provides a hub to control your smart home, add things to your calendar, and keep an eye on reminders. It’s useful enough as a general home screen.

AI Vision Inside also returns. It’s basically a camera inside the fridge that can identify the food you put in and take out, letting you know when things are getting low. It can automatically add things to the SmartThings grocery list and alert you when food is about to expire. If you’re a big grocery delivery person, like I am, you also can set it up to add things directly to your Instacart grocery list. 

Currently, the AI Vision recognizes about three dozen food items automatically but you can also add things manually. I expect that it’ll learn new items over time, although Samsung has been saying that for some time now. This, to me, would be the biggest selling point. Too often I’ve opened a carton of berries that I thought were new to find them covered with mold. Getting a warning a few days before an expected expiration would help me reduce food waste. 

The fridge comes with Wi-Fi and SmartThings integration, naturally. It also has auto open doors so you can stock the fridge even if your hands are full, which is a nice quality-of-life feature. I imagine it will also help reduce staining and streaking on the fridge (a curse of stainless steel appliances) if you don’t need to grab the handle anymore.

The Bespoke AI Refrigerator with AI Family Hub+ will be priced at $4,699 and available in stainless steel, white glass, and charcoal with matte black. It also has a range of customizable door panel colors and finishes. Three other models are in the lineup, including a 4-door model with a 9-inch AI Home Screen and the same AI Vision Inside feature for $3,999. 

AI cooling? Kind of, but the real magic is with the Peltier module 

Another model worth mentioning is the Bespoke AI Hybrid 4-Door Flex priced at $3,999. The AI name is slightly misleading because it doesn’t have AI Vision inside. Instead, the Hybrid model uses AI to optimize cooling efficiency and energy use. It does this by combining two power sources, a compressor and a Peltier module. During normal use, the compressor is the cooling mainstay, while the Peltier module kicks in during other scenarios for added cooling. 

AI algorithms can detect changes to the fridge’s interior, such as warm air entering when you open the door or an increase in temperature when you put in food that’s still hot. When this happens, it’ll deploy the compressor and Peltier module at the same time. According to Samsung, the hybrid cooling technology gives the interior of the fridge an additional 2.5 inches of usable space compared with a traditional compressor-only refrigerator. 

I like this use of AI quite a bit more than AI Vision. It’s less in your face than having a screen and camera on your fridge. If energy bills are a major concern for you, this hybrid cooling model seems like it could be worth considering. 

A space-saving fridge 

Last, with price and availability still to be determined, is the Bespoke 4-door Flex Kitchen Fit Refrigerator. As the name suggests, it is designed to fit into tight places, with a 4-millimeter installation gap on both sides. The doors can be opened to 90 degrees and Samsung says its SpaceMax technology allows the refrigerator walls to be thinner, creating more interior space without compromising insulation. I’m giving it serious consideration for my 800-square-foot apartment because I’m long overdue for a new fridge but very limited in space. 

Samsung’s ovens are still oddly targeted to influencers

Once again, this isn’t a new feature, but the Bespoke 30-inch Double and Single Wall Ovens come with AI-powered cooking, as with previous members of the lineup. The double wall oven comes with a 7-inch AI home screen that acts as a control center, the same as the one you get on the fridge. It supports a smart home hub, apps such as YouTube and Spotify, and it can pull up a camera view of the dishes inside your oven if you want to monitor it and upload a clip to social media. It seems oddly targeted for cooking influencers but the other features are more useful for people looking to do actual cooking. 

With the Samsung AI Pro Cooking software, the camera can automatically recognize 80 recipes (others you can save manually) and display the optimal cook time and temperature for different dishes. It can even tackle different types of meat in the same dish. Samsung showed me a bizarre example of salmon and a whole chicken being baked together, which sounded truly disgusting. A more reasonable combination I might actually try is bacon-wrapped chicken, which require different temperatures to be eaten safely.   

There are also no physical handles. It has a Push to Open feature that makes opening it easy if you have your hands full with a dish, letting you bump it with a shoulder or elbow. I like this tech in theory and it worked just fine in practice but I’m curious how it’ll fare in a less curated environment. For instance, if my cat gets the zoomies and runs face first into the oven while it’s baking, will it open? I assume it’s too smart for that but there are some things you can only find out with testing. 

Wi-Fi and SmartThings connectivity also allows you to monitor and preheat the oven from your phone, monitor energy use and search for recipes. This is something I already do with my much less smart LG oven but the feature is hit and miss so I’m hopeful that Samsung’s take on it is more reliable. 

The Double-Wall Oven costs $4,649, and the Single-Wall Oven costs $3,759. Both are available now on Samsung.com. 

Samsung is also releasing a 30-inch and 36-inch Induction Cooktop with some smart features focused on energy efficiency. Samsung says the cooktops are Energy Star-certified and come with four and five burners, respectively. Both have a 4.3kW Power Burner for more intense heat. All the burners also have a Power Boost function for faster cooking and the Sync Burner lets you control two at the same time with one control. As with all the other appliances, Wi-Fi and SmartThings are integrated. 

The 30-inch model costs $1,499, and the 36-inch model costs $1,699. These are both available now for preorder on Samsung.com. 

Dishwashing gets the AI stamp

Cooking can be fun but the dishwashing that comes afterward is usually less so. The Bespoke Auto Open Door Dishwasher should make things a bit easier. The smart features here aren’t really new either, which is a fairly common theme in this article. The AI Wash feature is intended to help remove stubborn food residue more easily and works together with the rotating StormWash dual arms. There’s a high-resolution sensor that keeps an eye on your dishes and the machine learning algorithm automatically adjusts washing and rinsing cycles based on the soil level. 

To some extent, this is tech that already exists on dishwashers. My LG dishwasher has an Auto mode that uses sensors to detects the soil level of my dishes and clarity of the water and adjusts the cleaning cycle to accommodate it. Unfortunately, I’ve found that it doesn’t always do a great job of figuring out how dirty something is and I get dishes that still have food particles on them. If Samsung can use AI to make this soil detection feature smarter, I could definitely see myself using AI Wash but I still question if this feature is actually AI.   

You also get a 2.25-inch LCD panel with controls and there are features including Smart Dry that lets warm air circulate better, which Samsung says results in 2.5 times better drying performance. The dishwasher itself is quiet at 38 decibels. For reference, appliances with a decibel rating from 38 to 40 are generally considered quiet. A regular conversation is usually around 60 decibels and many dishwashers are generally in that range so that makes Samsung’s new dishwasher quite a bit quieter than the competition. 

The Wi-Fi connectivity and SmartThings app let you remotely start and stop the dishwasher and monitor its power use. 

It’ll cost $1,399 at launch and is available for preorder on Samsung. 

All-in-one laundry machine with — you guessed it — AI 

Laundry isn’t spared from AI. The Bespoke AI Laundry Vented Combo is a washing machine and dryer combined, meaning you can do your washing and drying in one unit without having to move clothes. Like the fridge and oven, the 7-inch AI Home touchscreen acts as the hub for the controls, cycles, settings and various apps, just like the other features in the lineup.

All-in-ones tend to have bad reputation about how well they clean and dry but Samsung is implementing some features to improve things — in theory. Opti Wash & Dry adjusts the settings on the cycle automatically and the vented electric dryer has an internal heater and fan to move hot air through clothes more easily. The entire wash and dry cycle happens in 77 minutes, with the AI and sensor determining temperature and cycle time. The AI learning model predicts when the rinsing process ends and can have the other cycles take over when it thinks things are sufficiently clean. 

If you chose not to start an automatic dryer cycle, the Auto Open Door automatically opens after the washing cycle to release humidity and moisture, preventing your wet clothes from festering if you forget about them. 

You also don’t need to constantly top up on laundry detergent. The Flex Auto Dispense System can automatically dispense up to 47 loads of detergent or you can split the compartment to dispense 34 loads of softener and 25 loads of detergent. 

Like almost every other appliance in Samsung’s lineup, it comes with Wi-Fi and SmartThings for remote monitoring but also adds voice control for starting and stopping cycles hands-free.  

The Vented Combo will cost $3,099 and doesn’t require any additional laundry hookups for installation. It’s available for preorder now through Samsung. 

Does a vacuum need AI? Samsung thinks so. 

Finally, Samsung is putting the AI branding on cordless vacuums, although once again I hesitate to say that it’s actually new because an earlier version of the model was released in 2023. There’s an LCD panel to show you suction levels, battery life and alerts. When you start vacuuming, the so-called AI senses floor types and automatically adjusts suction power and brush speed to optimize runtime and maneuverability on those types of floors. I was able to briefly run the vacuum in Samsung’s demo area and I found it to be fairly lightweight and easy to maneuver, although it was hard to judge cleaning performance in the fairly clean environment. 

The Bespoke AI Jet Ultra Cordless Stick Vacuum has 400 air watts (a measure of suction power) and the company’s proprietary HexaJet motor. For reference, most vacuums have between 150 and 200AW of suction, with 200AW being considered good. 

Samsung also says it has the longest battery life of any stick vacuum, with 100 minutes of runtime. If true, that would be a pretty incredible runtime, although I’d be curious to see what suction power level it was tested at. With my Ryobi vacuum, I’m lucky if get a half-hour at full suction power before I have to swap out the battery and it’s not like I have a particularly big apartment. A 100-minute runtime should be more than enough to handle all the rooms in my apartment with plenty to spare so it may be a great option for people with bigger spaces. 

We’ll undoubtedly be getting the Jet Ultra into CNET’s testing lab to put it through the paces, so keep an eye on our list of best vacuum cleaners and best cordless vacuums to see where it ranks. 

Other features include an All-in-One Clean Station that charges the vacuum and automatically empties and closes the dustbin. Samsung says it traps 99.99% of fine dust particles. This is a huge quality-of-life feature if you’ve never used a vacuum with a dock before, sparing you from getting dust everywhere when you empty it into the trash. 

Like everything else, the vacuum has built-in Wi-Fi and SmartThings connectivity. If you get a phone call or text while vacuuming, the vacuum display will alert you about the message so you don’t miss anything important while cleaning up. This strikes me as being a little bit of a solution in search of a problem. Most people, including myself, have a smartwatch that does that and unless the suction on the vacuum is totally deafening, you’re unlikely to miss a phone call if it rings or vibrates. Still, I suppose it’s a nice-to-have feature if you have a vital phone call you’re expecting that you can’t miss but decide you also need to vacuum. 

The Bespoke AI Jet Ultra will cost $1,099 and it comes with a 10-year warranty on the motor and a 2-year warranty on the battery. It’s currently available for preorder through Samsung. This is pretty pricey for a cordless vacuum, putting it in the same price range as Dyson’s $949.99 Gen5 Detect Absolute

Are these AI appliances worth the cost? 

With prices ranging from $1,000 to $4,000, depending on the appliance in question, I hesitate to say that any of the AI features showcased by Samsung are game-changing enough to warrant the price premium compared with a similar «dumb» product. 

Take one of the ventless all-in-one washers and dryers, for instance. Samsung’s smart model costs $3,099, while a quality ventless one from GE will run you $2,599 at MSRP but is currently on sale at $1,798. Notably, it’s also Energy Star-certified and has some smart chops on its own, like the SmartHQ app for notifications and specialty cycles, even if it isn’t as fancy as the one from Samsung. 

Compared with a regular four-door refrigerator from Whirlpool or KitchenAid, you’re looking at spending approximately $1,000 more for the Samsung refrigerator’s AI features and screen. By themselves, I’m not sure any of these features are worth an extra $1,000, but I suppose if you’re already in the market for a smart fridge, it’s not too bad. A high-end LG Signature fridge with similar smart features such as auto opening doors can cost you twice as much at $7,199, though there are also more affordable smart models available that match Samsung’s pricing.

Of course, you can get a perfectly good «dumb» fridge from a quality brand like Whirlpool for significantly less. While undoubtedly there are some promising features at play for some of this lineup, ultimately I don’t think AI features are worth the premium compared with buying a simpler, high-quality appliance from a reputable brand at a similar or lower price. 

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Technologies

Today’s NYT Connections Hints, Answers and Help for March 30, #658

Hints and answers for Connections for March 30, #658.

Looking for the most recent Connections answers? Click here for today’s Connections hints, as well as our daily answers and hints for The New York Times Mini Crossword, Wordle, Connections: Sports Edition and Strands puzzles.


I love today’s blue category in the NYT Connections puzzle, but then I’m a big fan of plays and musicals. If you are too, you should have no problem with that grouping. Read on for clues and today’s Connections answers.

The Times now has a Connections Bot, like the one for Wordle. Go there after you play to receive a numeric score and to have the program analyze your answers. Players who are registered with the Times Games section can now nerd out by following their progress, including number of puzzles completed, win rate, number of times they nabbed a perfect score and their win streak.

Read more: Hints, Tips and Strategies to Help You Win at NYT Connections Every Time

Hints for today’s Connections groups

Here are four hints for the groupings in today’s Connections puzzle, ranked from the easiest yellow group, to the tough (and sometimes bizarre) purple group.

Yellow group hint: Midpoint or median.

Green group hint: Symbol of national identity.

Blue group hint: The play’s the thing.

Purple group hint: Not woman, but…

Answers for today’s Connections groups

Yellow group: Average.

Green group: Pictured on the US Great Seal.

Blue group: Proper nouns in Broadway musical titles that are spoken phrases.

Purple group: ____ man.

Read more: Wordle Cheat Sheet: Here Are the Most Popular Letters Used in English Words

What are today’s Connections answers?

The yellow words in today’s Connections

The theme is average. The four answers are mean, norm, par and standard.

The green words in today’s Connections

The theme is pictured on the US Great Seal. The four answers are arrows, eagle, olive branch and shield.

The blue words in today’s Connections

The theme is proper nouns in Broadway musical titles that are spoken phrases. The four answers are Birdie, Dolly, Kate and Yankees.

The purple words in today’s Connections

The theme is ____ man. The four answers are bogey, crafts, gentle and spokes.

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Technologies

Today’s NYT Strands Hints, Answers and Help for March 30, #392

Here are hints and answers for the NYT Strands puzzle No. 392 for March 30.

Looking for the most recent Strands answer? Click here for our daily Strands hints, as well as our daily answers and hints for The New York Times Mini Crossword, Wordle, Connections and Connections: Sports Edition puzzles.


My daughter is very involved in her high school choir, so today’s NYT Strands puzzle was a fun one for me. If you’re ever been involved with singing, you should do well. If you need hints and answers, read on.

I go into depth about the rules for Strands in this story. 

If you’re looking for today’s Wordle, Connections and Mini Crossword answers, you can visit CNET’s NYT puzzle hints page.

Read more: NYT Connections Turns 1: These Are the 5 Toughest Puzzles So Far

Hint for today’s Strands puzzle

Today’s Strands theme is: Join the chorus

If that doesn’t help you, here’s a clue: Sing out

Clue words to unlock in-game hints

Your goal is to find hidden words that fit the puzzle’s theme. If you’re stuck, find any words you can. Every time you find three words of four letters or more, Strands will reveal one of the theme words. These are the words I used to get those hints, but any words of four or more letters that you find will work:

  • POOL, LOOP, SPOT, COLA, RONE, CHAR, TORE, POOT, TRAP, TOPS, MEAT, MATE, BRINE, PART, CHIRP, CHIT.

Answers for today’s Strands puzzle

These are the answers that tie into the theme. The goal of the puzzle is to find them all, including the spangram, a theme word that reaches from one side of the puzzle to the other. When you’ve got all of them (I originally thought there were always eight but learned that the number can vary), every letter on the board will be used. Here are the nonspangram answers:

  • ALTO, BASS, TENOR, SOPRANO, MEZZO, TREBLE, BARITONE

Today’s Strands spangram

Today’s Strands spangram is CHOIRPART. To find it, start with the C that’s three letters down in the far right column, and then wind down and across.

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