Americans who plan to buy a home in the next five years say affordability concerns are keeping them from purchasing now, according to a new survey. High prices, monthly payment worries, mortgage rates and down payment costs were among the top barriers.

Mortgage rates matter, but they are not the only number shaping affordability. Real estate professionals can help buyers review seller concessions, buydowns, loan options, down payment programs and home choices that may make a purchase work now.

Realtors® and volunteers across Florida are making waves this July as part of Florida Realtors®’ annual Clean Up Florida Waters effort, a statewide project that helps remove trash from beaches, lakes, rivers and other waterways.

Monthly payment considerations, rather than lifestyle preferences, are pushing more home buyers toward suburbs, small towns and exurban areas, Inman reported.