In a March episode of The Ramsey Show, financial experts Dave Ramsey and George Kamel responded to viewers’ comments about the state of the housing market, now that Donald Trump is president again.

Viewers were worried about what Trump’s election would mean for real estate, but Ramsey explained that consumers may be looking in the wrong direction to solve their real estate woes.

Ramsey said that he and Kamel had predicted that the real estate market would begin to thaw sometime after the 2024 election. He had warned it would not be “instantaneous” and more likely to show movement by spring, and he’s feeling gratified by the results.

“So we are seeing in the real estate market an uptick in activity. We are seeing interest rates down very slightly, just a little bit,” he said at the time.

While there are no “dramatic” real estate shifts in the market, such as no major interest rate drops and there is still a shortage of available inventory, he said it’s moving a little bit. For example, on properties he has for sale, he’s suddenly seeing some interest.

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Ramsey asserted that people who are giving credit or blame to either Trump or former President Joe Biden for the state of the housing market are focusing in the wrong direction.

“[W]hat happens in your house is more important than what happens in the White House. And so Donald Trump’s not going to buy you a house. Joe Biden didn’t buy you a house. It’s not their job either, one of ’em,” Ramsey said.

He put the onus of buying a home on the consumer, saying it’s “your job to buy a house after you get out of debt, have an emergency fund, and when you can afford a payment on a fourth of your take home pay on a 15-year fixed rate” and claims it’s “very doable.”

However, he didn’t speak to how high inflation over the past few years has driven many costs up.

Ramsey noted that viewers are concerned about tariffs driving construction costs up, thus housing prices, but Ramsey scoffed at this, saying, “Tariffs aren’t going to drive construction costs up, not appreciably. Even if there are tariffs and there aren’t any yet [as of March 17].”

However, other experts disagree with Ramsey’s claim, suggesting that there’s a very good chance that the increased costs of lumber and other materials could be passed onto the consumer in the form of higher home prices and other home-related goods and services.