The housing market is complicated and unbalanced due to Covid “supply side” economics as applied to the housing market. Housing shortages due to owner reluctance to sell, uncertainty of present and future jobs, and dramatically increased building supplies have created shortages and thus much higher housing prices. How long will this last? Is this trend coupled with historically low mortgage interest rates? Will this trend with the easing of the acute effect of Covid-19 with and without variant D? These are the questions this study will dig into to make some sense out of housing pricing in 2021.