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It’s becoming harder to afford a home.

Prices are up almost 20% year over year, and mortgage rates are soaring.

The rate for a 30-year fixed loan is now 5.57%, according to Mortgage News Daily, up from 3.29% at the start of the year.

At the same time, consumer prices on everything from gas to food are also accelerating, costing Americans hundreds of dollars more in spending a month. In an effort to tamp down inflation, the Federal Reserve raised interest rates on Wednesday by half a point.