{"id":33096,"date":"2022-09-21T15:40:05","date_gmt":"2022-09-21T22:40:05","guid":{"rendered":"https:\/\/www.homelight.com\/blog\/?p=33096"},"modified":"2026-03-27T13:01:55","modified_gmt":"2026-03-27T20:01:55","slug":"how-does-raising-interest-rates-help-inflation","status":"publish","type":"post","link":"https:\/\/www.homelight.com\/blog\/how-does-raising-interest-rates-help-inflation\/","title":{"rendered":"How Does Raising Interest Rates Help Fight Inflation? Let&#8217;s Connect the Dots"},"content":{"rendered":"<p><i>The U.S. housing market is undergoing a rebalancing. Visit <\/i><a href=\"https:\/\/www.homelight.com\/blog\/real-estate-housing-market-shift-resource-hub\/\"><i>HomeLight&#8217;s 2022 Housing Trends Hub<\/i><\/a><i> for information on how to navigate a shifting market \u2014 whether you&#8217;re a seller, buyer, or homeowner.<\/i><\/p>\n<p>If you\u2019ve been monitoring the news lately, you\u2019re probably well aware of the \u201ctwo I\u2019s\u201d that have been dominating the financial headlines: <a href=\"https:\/\/www.homelight.com\/blog\/how-will-inflation-affect-the-housing-market\/\">inflation<\/a> and <a href=\"https:\/\/www.homelight.com\/blog\/buyer-when-will-mortgage-rates-go-down\/\">interest rates<\/a>. Both have been garnering lots of attention these days.<\/p>\n<p>Average inflation rates have been on an <a href=\"https:\/\/www.statista.com\/statistics\/273418\/unadjusted-monthly-inflation-rate-in-the-us\/\">upward march<\/a> in the U.S. since March 2020, peaking at 9.1% in June 2022 before dipping a bit in July and August. When <a href=\"https:\/\/www.homelight.com\/blog\/what-is-causing-inflation-2022\/\">inflation rates<\/a> are high, goods and services cost more, which means consumers have a harder time affording what they need. Essentially, your dollar won\u2019t go as far as it once did.<\/p>\n<p>Interest rates have also <a href=\"https:\/\/ycharts.com\/indicators\/30_year_mortgage_rate\">risen steadily<\/a> since hitting record lows in mid-2021. In recent months, the 30-year mortgage rate has been dancing between 5% and 6%, considerably higher than the 2.87% seen during this period in 2021.<\/p>\n<p>On Sept. 21, the Fed gave the rates <a href=\"https:\/\/e.vnexpress.net\/news\/world\/fed-set-for-big-rate-hike-as-waters-get-choppy-for-world-s-central-banks-4514118.html\">another upward nudge<\/a> \u2014 three-quarters of a percentage point, to be exact \u2014 in an effort to combat surging inflation. The September increase marked the third consecutive interest-rate rise of 0.75 percentage point and represents the biggest Fed-driven spike since 1994. If you\u2019re wondering how this helps to curb inflation, and whether it might have some undesirable trickle-down effects, allow us to shed some light on the situation. We did some digging and spoke to some seasoned finance and mortgage experts to help us (and you) understand the motivation behind such a move.<\/p>\n\n\n\n\n\n<div class=\"geo-cta widget-cta widget-cta--content     widget-cta--dark widget-cta--dark-blue-gradient\">\n    <div class=\"widget-element--content\">\n        <div class=\"widget-element--content-header\">\n            <img decoding=\"async\" alt=\"homelight logo\" class=\"widget-element--logo\" src=\"https:\/\/www.homelight.com\/blog\/wp-content\/themes\/ccprototypev5\/images\/logo-small-cta.png\" width=\"106\" height=\"25\" \/>\n        <\/div>\n        \n                <h3 class=\"cta-headline widget--bold\">How Much Is Your Home Worth Now?<\/h3>\n                        <p>Get a near-instant home value estimate from HomeLight for free. Our tool analyzes the records of recently sold homes near you, your home\u2019s last sale price, and other market trends to provide a preliminary range of value in under two minutes.<\/p>\n        \n                <div class=\"widget-element--buttons\">\n            <a data-type=\"In Content CTA\" href=\"https:\/\/www.homelight.com\/simple-home-value\/quiz?#\/qaas=0\/\" class=\"cta-click-track widget-element--button\">Get Estimate<\/a>\n        <\/div>\n                    <\/div>\n<\/div>\n\n\n<div id=\"section--1\" data-toc-header=\"What causes inflation to spike?\" data-toc-type=\"head\"><\/div>\n<h2>What causes inflation to spike?<\/h2>\n<p>Some degree of inflation is normal in a healthy, thriving economy \u2014 in fact, the Fed aims for a target of 2% each year \u2014 but abnormally escalating inflation rates can cause an overall economic slowdown.<\/p>\n<p>There are several different factors that contribute to escalation inflation:<\/p>\n<ul>\n<li><b>Supply chain issues: <\/b>When there\u2019s a shortage of goods, manufacturers have to pay more for the materials they need to produce the products they sell, and that cost increase is passed onto the consumer in the form of higher prices.<\/li>\n<li><b>Supply and demand: <\/b>Strained supply chains can lead to a shortage of all kinds of products, from cars to clothes. When consumers have cash on hand and demand remains high, suppliers can\u2019t keep up, which causes prices to go up.<\/li>\n<li><b>Worker shortages: <\/b>When companies can\u2019t find the employees they need to produce goods or provide services, this means they can\u2019t keep up with customer demand, which then leads to price increases. Another factor is that businesses are forced to pay employees higher wages to attract and retain them, which also contributes to higher prices.<\/li>\n<\/ul>\n<p>The rising cost of housing has also <a href=\"https:\/\/www.cnn.com\/2022\/09\/17\/politics\/housing-market-questions-what-matters\/index.html\">been cited as a cause of inflation<\/a> in our current market.<\/p>\n<div id=\"section--2\" data-toc-header=\"Who controls interest rates?\" data-toc-type=\"head\"><\/div>\n<h2>Who controls interest rates?<\/h2>\n<p>The <a href=\"https:\/\/www.federalreserve.gov\/aboutthefed.htm\">U.S. Federal Reserve<\/a> \u2014 also known as America\u2019s central bank or simply the Fed \u2014 was created in 1913 to serve as a safe and reliable financial system for the country. It\u2019s also the institution that commercial banks in the U.S. rely on for some of their critical banking needs. The main jobs of the Fed are to keep unemployment and inflation rates low.<\/p>\n<p>When banks need to borrow money from the Fed, they are charged an interest rate \u2014 just as a <a href=\"https:\/\/www.homelight.com\/blog\/buyer-mortgage-rates\/\">home buyer is charged an interest rate<\/a> when they take out a mortgage loan from a bank. The rates themselves are set by the <a href=\"https:\/\/www.federalreserve.gov\/monetarypolicy\/fomc.htm\">Federal Open Market Committee<\/a> (FOMC), a branch of the Federal Reserve that is made up of five Federal Reserve Bank presidents and seven governors of the Federal Reserve Board. The FOMC meets several times throughout the year to decide what the interest rates should be at that time.<\/p>\n<div id=\"section--3\" data-toc-header=\"How does the Fed\u2019s interest rate influence the economy?\" data-toc-type=\"head\"><\/div>\n<h2>How does the Fed\u2019s interest rate influence the economy?<\/h2>\n<p>The interest rate set by the Fed dictates how much it costs commercial banks to borrow from them. When those rates go up, the banks must pass the cost onto their customers who are borrowing money for home loans, car loans, and other large expenses.<\/p>\n<p>While the Fed sets that general outbound rate, commercial rates do have the ability to set their own rates based on their individual business models and operations. That\u2019s why rates will differ depending on which lender you choose \u2014 which means it\u2019s always important to shop around at various lenders to find the best available interest rate.<\/p>\n<p>When the Fed triggers a change to interest rates, it will have a trickle-down effect on the overall economy, although it can take up to a year for the impact to be felt.<\/p>\n<div id=\"section--4\" data-toc-header=\"How does raising interest rates counteract inflation?\" data-toc-type=\"head\"><\/div>\n<h2>How does raising interest rates counteract inflation?<\/h2>\n<p><a href=\"https:\/\/www.linkedin.com\/in\/robmassa\/\">Robert Massa<\/a>, a financial advisor and retirement expert with Qualified Plan Advisors in Houston, Texas, notes that when the Federal Reserve raises interest rates, the cost of borrowing becomes more expensive \u2014 not just for mortgages, but also for credit cards, personal loans, corporate loans, and any other type of financing. This ultimately affects consumer demand throughout the economy, as people and businesses start cutting back on their spending and debt. As demand falls, companies respond by gradually slowing down the rate of inflation for the prices of their products and services.<\/p>\n<p>\u201cIn a period of high inflation like the one we are in now, the Federal Reserve attempts to slow down the economy by reducing the amount of reserve cash banks have available to loan out to borrowers,\u201d Massa explains. \u201cWith fewer dollars available to borrowers, interest rates climb. As rates climb, fewer and fewer borrowers are capable of \u2014 or interested in \u2014 borrowing money at these higher rates. This is because the cost associated with borrowing money to acquire what you&#8217;re looking to purchase or finance becomes less and less attractive.\u201d<\/p>\n<p>Shad Elia, CEO of <a href=\"https:\/\/www.webuyhouseshere.com\/\">New England Home Buyers<\/a>, points out that the end goal is not to have zero inflation, but rather to reach the Federal Reserve\u2019s target inflation rate of 2%, which is considered to be an appropriate level for an expanding economy.<\/p>\n<div id=\"section--5\" data-toc-header=\"How can raising interest rates cause a recession?\" data-toc-type=\"head\"><\/div>\n<h2>How can raising interest rates cause a recession?<\/h2>\n<p>While nudging interest rates higher can help curb inflation, Joseph Hogue, CFA and investment expert at <a href=\"https:\/\/www.youtube.com\/channel\/UCbKdotYtcY9SxoU8CYAXdvg\">Let&#8217;s Talk Money<\/a> on YouTube, says the Fed must walk a fine line. Hiking them too much can send the economy into a <a href=\"https:\/\/www.homelight.com\/blog\/how-long-do-recessions-last\/\">recession<\/a>, which is when there is a decline in economic activity for two quarters in a row.<\/p>\n<p>\u201cIf the cost of borrowing is too high, companies turn to cutting costs instead of just borrowing at cheap rates,\u201d Hogue explains. \u201cSome of these saved costs will come from layoffs, and as the unemployment rate increases, that causes a drop-off in consumer spending, which powers two-thirds of the economy.<\/p>\n<p>As Hogue notes, all of these changes typically take a while to kick in, which means the central bank can\u2019t measure the effect on the economy until six months to a year after the interest rates are increased. \u201cDon&#8217;t raise rates fast enough, and inflation continues to build. Raise rates too high, and it leads to a recession later in the year,\u201d he cautions.<\/p>\n<p>But that doesn\u2019t mean a <a href=\"https:\/\/www.homelight.com\/blog\/buyer-what-happened-to-housing-in-previous-recessions\/\">recession<\/a> is a foregone conclusion. Ideally, the Fed aims to achieve a <a href=\"https:\/\/www.npr.org\/2022\/07\/24\/1112770581\/inflation-recession-soft-landing-rates-jobs-fed\">soft landing<\/a>, which is when the economy comes to a gradual slowdown \u2014 just enough to curb inflation without causing a dramatic downturn. According to Princeton economist Alan Blinder (via <a href=\"https:\/\/www.npr.org\/2022\/07\/17\/1111912878\/where-is-the-economy-likely-to-go-next\">NPR<\/a>), a \u201cperfect\u201d soft landing is a rarity, but it did occur in the mid-90s when he was vice chairman of the Federal Reserve. The Fed bumped the interest rate from 3% to 6%, which slowed down economic growth without hurting the job market or decreasing the GDP (<a href=\"https:\/\/www.bea.gov\/data\/gdp\">Gross Domestic Product<\/a>).<\/p>\n<p>Aside from that ideal example, Blinder pointed out six other cycles between 1965 and 2020 when the interest rate was hiked with only minimal economic fallout. &#8220;The moral of the story to me was, soft<i>ish<\/i> landings are not as rare as was thought,&#8221; Blinder told NPR.<\/p>\n<div id=\"section--6\" data-toc-header=\"How does this apply to home prices?\" data-toc-type=\"head\"><\/div>\n<h2>How does this apply to home prices?<\/h2>\n<p>In the U.S., home prices <a href=\"https:\/\/www.spglobal.com\/spdji\/en\/documents\/indexnews\/announcements\/20220426-1452067\/1452067_cshomeprice-release-0426.pdf\">increased at a rate of 19.3%<\/a> between February 2021 and February 2022. That means a $300,000 home in February 2021 had an inflated value of $357,900 in February 2022. Then, as interest rates began to increase, home prices from May 2021 to May 2022 <a href=\"https:\/\/money.usnews.com\/loans\/mortgages\/articles\/mortgage-market-news-july-28-2022#:~:text=Home%20prices%20grew%2018.3%25%20annually,Doerner%20says%20in%20a%20statement.\">increased at a rate of 18.3%<\/a> between May 2021 and May 2022. By the end of June 2022, the rate of home purchase contracts had <a href=\"https:\/\/www.cnbc.com\/2022\/07\/27\/pending-home-sales-fell-20percent-in-june-versus-a-year-earlier-as-mortgage-rates-soared.html\">dropped by 20%<\/a>.<\/p>\n<p>Nearly a third of the <a href=\"https:\/\/www.bls.gov\/cpi\/#:~:text=The%20Consumer%20Price%20Index%20(CPI,U.S.%20and%20various%20geographic%20areas.\">Consumer Price Index<\/a> (CPI) that the <a href=\"https:\/\/www.bls.gov\/\">Bureau of Labor Statistics<\/a> uses to track inflation is the \u201cshelter\u201d component, which represents the cost of housing. Other components include things like food and energy costs. All combined, these price increases can have a significant impact on consumers.<\/p>\n<h3>Impact on buyers<\/h3>\n<p>When a buyer gets a loan to buy a house, the lender will apply an interest rate to that loan, which is essentially the price the buyer pays to borrow money. When the Fed raises the interest rate to counteract inflation, that has an impact on consumers\u2019 buying power.<\/p>\n<p>\u201cBuyers were still interested in buying, but the effects of rising interest rates were beginning to take a toll on home price inflation as some buyers began to be squeezed out of the marketplace,\u201d explains Massa.<\/p>\n<p>But despite the rising interest rates, some industry experts believe this may be the perfect time to snatch up a home. <a href=\"https:\/\/www.linkedin.com\/in\/janet-patterson-019080217\/\">Janet Patterson<\/a>, loan and finance expert at Highway Title Loans, has worked in the financial service industry for over a decade, points out that it\u2019s often better to buy a house when mortgage rates are higher because that will cause more properties to come on the market, putting downward pressure on prices. This means a buyer could afford a larger, higher-value home at the same monthly payment they would have had for a smaller home.<\/p>\n<h3>Impact on sellers<\/h3>\n<p>On the other hand, people who are <a href=\"https:\/\/www.homelight.com\/blog\/should-i-sell-my-house-now-or-wait\/\">trying to sell a home<\/a> during an interest rate spike may receive fewer offers and may ultimately be forced to make price adjustments. There\u2019s also a greater chance of buyers making lower offers, paying with cash, or including <a href=\"https:\/\/www.homelight.com\/blog\/what-does-contingent-mean-in-real-estate\/\">contingencies<\/a> in their offers.<\/p>\n<p>\u201cHigher rates can make moving a difficult decision,\u201d says Hogue. \u201cIf they have locked in a low rate on their existing home, it will be more expensive to get a new mortgage when moving.\u201d<\/p>\n<p>Patterson says it\u2019s best to sell when interest rates are falling because this causes an influx of new buyers to the market. \u201cThese buyers have been waiting for rates to fall, so they&#8217;re keen to get into a property immediately,\u201d she explains.<\/p>\n<div id=\"section--7\" data-toc-header=\"What will happen next?\" data-toc-type=\"head\"><\/div>\n<h2>What will happen next?<\/h2>\n<p>The only certainty about the economy is that it\u2019s uncertain. That said, experts often make predictions based on the patterns they\u2019ve seen over the years. Patterson expects inflation to decelerate in the next year. If that happens, it would mean mortgage rates will decrease as the federal government looks to establish stability.<\/p>\n<p>\u201cIt should start a butterfly effect, where the Feds can cut down interest rates as well using the stable economy,\u201d she predicts. \u201cI would project price pressure to swing from inflationary to deflationary by 2023, taking advantage of the supply constraints.\u201d<\/p>\n<p>If you\u2019re considering <a href=\"https:\/\/www.homelight.com\/blog\/tips-for-selling-your-home\/\">selling your home<\/a> and are wondering how the <a href=\"https:\/\/www.homelight.com\/blog\/real-estate-housing-market-shift-resource-hub\/\">current economic climate<\/a> may affect your chances of success, there are a couple of smart first steps you can take:<\/p>\n<ul>\n<li><a href=\"https:\/\/www.homelight.com\/find-real-estate-agents\">Contact an experienced real estate agent<\/a> who can provide guidance and advice.<\/li>\n<li>Use our <a href=\"https:\/\/www.homelight.com\/home-value-estimator\">Home Value Estimator<\/a> to get your home\u2019s ballpark market value in minutes.<\/li>\n<li>Consider the advantages of accepting a <a href=\"https:\/\/www.homelight.com\/simple\">cash offer<\/a> for your home in the face of rising interest rates.<\/li>\n<\/ul>\n<p><i>Header Image Source: (Pontus Wellgraf \/ Unsplash)<\/i><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Fed has recently given interest rates a boost as a means of curbing high inflation. What does this mean for home sellers?<\/p>\n","protected":false},"author":201,"featured_media":33098,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"cybocfi_hide_featured_image":"","footnotes":""},"categories":[322,334],"tags":[746],"class_list":["post-33096","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-logistics","category-news","tag-inflation"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.0 (Yoast SEO v27.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How Does Raising Interest Rates Help Fight Inflation?<\/title>\n<meta name=\"description\" content=\"The Fed has recently given interest rates a boost as a means of curbing high inflation. 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