Investment Outlook

LA Housing Market & the 2028 Olympics

Three Scenarios for Investors and Residents — A Comprehensive Analysis of Risk, Opportunity, and Strategic Positioning

November 2025

Executive Summary

A Once-in-a-Generation Opportunity

The 2028 Summer Olympics represent a transformative catalyst for Los Angeles real estate, but outcomes will depend heavily on economic conditions, monetary policy, and infrastructure execution.

Economic Impact

$18B

Total projected contribution

Jobs Created

90K

Full-time equivalent

Visitors Expected

15M

During Games period

Tax Revenue

$700M

State & local combined

Historical Precedent: Past Olympics have delivered 20-30% price appreciation in areas near venues and transit hubs—but this is highly dependent on execution and broader economic conditions.

Key Infrastructure Initiatives

  • "28 by '28" Transit Initiative: 28 major projects including Purple Line extension to UCLA, K Line to LAX, and 100+ miles of bus priority lanes
  • Venue Upgrades: SoFi Stadium, Intuit Dome, LA Memorial Coliseum, Olympic Village at UCLA
  • Target Neighborhoods: Inglewood, Downtown LA, West Adams, Mid-Wilshire, Koreatown, Long Beach

Current Market Conditions

LA Housing Market: By the Numbers

The market has entered a period of stabilization after years of volatility, with modest appreciation and cooling sales velocity.

Median Home Price

$972K

+3.8% T12M

Estimated Home Value

$953K

+4.7% T12M

MF In-Place Rent

$2,738

+0.8% T12M

SF In-Place Rent

$5,248

Flat T12M

Supply Metrics

Occupancy Rate 95.2%
Sales Volume vs. 2021 Peak 70%
Inventory vs. Historical Avg 60-70%

Building Permits (T12M)

Type Units
Single-Family 12,227
Multifamily 14,331
Total 26,558

The Core Challenge

Affordability Remains the Defining Issue

9.5x Income-to-Price Ratio

With median household income at $101,897 (97th percentile nationally), LA residents earn well above the U.S. average—but home prices at $972K create an income-to-price ratio far exceeding sustainable levels.

Owner Affordability

Median Household Income $101,897
Median Home Price $972,417
National Percentile (Income) 97th
41% Above Affordable Rent

For renters, median household income of $77,850 translates to a maximum affordable rent of ~$1,946 under the 30% rule, yet market rents are 41% higher at $2,738.

Renter Affordability

Median Renter Income $77,850
Max Affordable Rent (30%) $1,946
Actual Market Rent $2,738

Market Outlook: The market is cooling, not crashing. Sales velocity has slowed, inventory is rising gradually, and price appreciation has moderated to single digits. This sets the stage for how the Olympics might amplify—or suppress—these trends.

Scenario Analysis

Three Paths Forward: 2025–2028

Scenario 1

"Olympic Tailwinds"

35%

  • Mortgage rates decline to 5.5-6.0%
  • Employment growth of 2.5-3.0% annually
  • "28 by '28" projects on schedule
  • Strong capital flows to Olympic zones

Price Forecast: +16-23% cumulative by July 2028

Scenario 2

"Muddling Through"

45%

  • Mortgage rates hold at 6.5-7.0%
  • Employment growth of 1.0-1.5% annually
  • Partial infrastructure completion
  • Cautious investor sentiment

Price Forecast: +6-9% cumulative by July 2028

Scenario 3

"False Start"

20%

  • Mortgage rates spike to 7.5-8.5%
  • Recession in 2026-2027
  • Only 50-60% of projects completed
  • Risk-off capital flight

Price Forecast: -6% to +3% cumulative by July 2028

Scenario 1 — "Olympic Tailwinds"

Home Price & Rental Impact

Home Price Projections

Metric Forecast
Market-Wide Annual Growth 4-7%
Cumulative by July 2028 16-23%
Olympic Zone Premium 25-35%
Median Price (2028) — Market $1.13-1.20M
Median Price (2028) — Olympic Corridors $1.4-1.6M

Supply Dynamics

  • Permits accelerate: 30,000-35,000 units annually
  • Inventory: Tight at 2.5-3.0 months of supply
  • Days on Market: 30-40 days

Rental Market Projections

Metric Forecast
Multifamily Rent Growth 5-7% annually
Single-Family Rent Growth 4-6% annually
Olympic-Adjacent Premium 15-20%
Occupancy (2027) 97-98%

Target Markets

Inglewood West Adams Mid-Wilshire Koreatown Century City Westwood/UCLA

Scenario 1 — "Olympic Tailwinds"

Investment Strategy & Risk Factors

Best Investment Plays

  1. Transit-Adjacent Multifamily: Properties within 0.5 miles of Purple Line stations (Wilshire/La Cienega, Century City, Westwood/UCLA)
  2. Inglewood Single-Family: Hyde Park, Leimert Park, View Park-Windsor Hills — proximity to SoFi Stadium and LAX People Mover
  3. Short-Term Rental Conversions: West Hollywood, Santa Monica, Downtown LA — capture Olympic visitor demand
  4. Value-Add Multifamily: Mid-Wilshire and Koreatown — renovate and reposition ahead of transit completion

Key Risks to Monitor

Gentrification Backlash

Rent control expansion, eviction moratoriums, or inclusionary zoning requirements could cap upside potential.

Construction Delays

If transit projects miss deadlines, investor confidence could evaporate rapidly.

Luxury Over-Supply

High-end condo developments could flood the market post-Games.

Scenario 2 — "Muddling Through"

Home Price & Rental Impact

Home Price Projections

Metric Forecast
Market-Wide Annual Growth 2-3%
Cumulative by July 2028 6-9%
Olympic Zone Premium 8-12%
Median Price (2028) — Market $1.03-1.06M

Supply Dynamics

  • Permits moderate: 22,000-26,000 units annually
  • Inventory: Rises to 4.0-4.5 months of supply
  • Days on Market: 60-75 days

Rental Market Projections

Metric Forecast
Multifamily Rent Growth 2-3% annually
Single-Family Rent Growth Flat to +2%
Occupancy 94-95%
Concessions 1-2 months free

Base Case: This scenario aligns with institutional forecasts (Zillow 2-5%, CoreLogic 3-5%) and represents the most likely outcome given current market conditions.

Scenario 2 — "Muddling Through"

Investment Strategy & Risk Factors

Best Investment Plays

  1. Core Multifamily Holds: Stabilized assets in West LA, Culver City, Pasadena — focus on cash flow, not appreciation
  2. Workforce Housing: Properties serving $75K-$125K household income segments — resilient demand profile
  3. Olympic-Period Rentals: Purchase 1-2 years ahead, rent to visitors/media during Games, then evaluate hold vs. sale
  4. Distressed Opportunities: Watch for over-leveraged developers forced to sell as rates stay elevated

Key Risks to Monitor

Rent Growth Stagnation

If wages don't keep pace with inflation, landlords face pricing power erosion.

Olympic Fatigue

Post-Games demand cliff could leave investors holding overpriced assets.

Affordability Crisis

Political pressure for rent control or tenant protections may intensify.

Scenario 3 — "False Start"

Home Price & Rental Impact

Home Price Projections

Metric Forecast
Market-Wide Annual Growth -2% to +1%
Cumulative by July 2028 -6% to +3%
Inglewood Flat to +5%
Speculative Areas -5% to -10%
Median Price (2028) $915K-$1.0M

Supply Dynamics

  • Permits collapse: 12,000-18,000 units annually
  • Inventory surges: 6-8 months of supply
  • Days on Market: 100-120 days
  • Price reductions: Exceed 10% of listings

Rental Market Projections

Metric Forecast
Multifamily Rent Growth Flat to -2%
Single-Family Rent Growth -3% to flat
Occupancy 91-93%
Context Highest vacancy since 2010

Key Trigger: Recession in 2026-2027 combined with mortgage rate spike would create a buyer's market — opportunity for patient capital.

Scenario 3 — "False Start"

Investment Strategy & Risk Factors

Best Investment Plays

  1. Cash-Heavy Distressed Buying: Target foreclosures, short sales, and developer bailouts in 2026-2027
  2. Defensive Multifamily: Class B/C properties in Inland Empire and San Fernando Valley — lower price points, resilient demand
  3. Long-Term Land Banking: Acquire Olympic-adjacent parcels at depressed prices, hold for post-2028 recovery
  4. Avoid Luxury: Stay clear of high-end condos and single-family homes above $2M

Key Risks to Monitor

Liquidity Crunch

Even distressed assets may be difficult to finance or exit in a risk-off environment.

Political Instability

Recession could trigger aggressive tenant protections, rent freezes, or vacancy taxes.

Olympic Disruption

While unlikely, geopolitical or health crises could delay or derail the Games entirely.

Scenario Comparison

Side-by-Side Analysis

Scenario 1: Tailwinds
Scenario 2: Base Case
Scenario 3: False Start
Probability
35%
45%
20%
Mortgage Rates
5.5-6.0%
6.5-7.0%
7.5-8.5%
Employment Growth
+2.5-3.0%
+1.0-1.5%
-0.5% to 0%
Home Price Change
+16-23%
+6-9%
-6% to +3%
Olympic Zone Premium
+25-35%
+8-12%
Flat to +5%
2028 Median Price
$1.13-1.20M
$1.03-1.06M
$915K-$1.0M
MF Rent Growth
+5-7%/yr
+2-3%/yr
Flat to -2%
Occupancy (2027)
97-98%
94-95%
91-93%
Inventory (Months)
2.5-3.0
4.0-4.5
6.0-8.0

Analytical Framework

Housing Appreciation Forecast Methodology

Historical Baseline (Weighted)

Period Growth Weight
T1yr +3.8% 40%
T3yr (annualized) +3.7% 30%
T5yr (annualized) +7.3% 30%
Weighted Baseline +4.7%

Key Driver Sensitivities

Factor Impact per Unit
Mortgage Rate ~2.0-2.5pp per 100bp
Inventory ~1.0-1.5pp per month
Employment ~0.6-1.0pp per 1%

Scenario Calculations

Scenario 1: 4.7% + 3.0pp (rates) + 1.5pp (inventory) + 2.0pp (employment) + 2.0pp (Olympics) - 2.0pp (reversion) = 11.2% total → 5.5% annually

Scenario 2: 4.7% + 0pp + (-0.5pp) + 0.8pp + 0.5pp - 2.0pp = 3.5% total → 2.3% annually

Scenario 3: 4.7% + (-2.5pp) + (-2.0pp) + (-0.5pp) + 0pp - 2.0pp = -2.3% total → -1.5% annually

External Validation

  • Zillow: +2-5% (aligns with Scenario 2)
  • CoreLogic: +3-5% annually
  • Local Realtors: +4-7% (Scenario 1)

Strategic Recommendations

Portfolio Allocation by Scenario

Recommended Allocation

Scenario 2 Exposure (Base Case) 45%

Core MF, workforce housing, stabilized cash-flowing assets

Scenario 1 Exposure (Upside) 35%

Olympic zone acquisitions, value-add MF, STR conversions

Scenario 3 Exposure (Defensive) 20%

Dry powder for distressed, defensive suburban MF

Key Metrics to Track Quarterly

  1. 30-Year Mortgage Rates
    If rates break below 6.0%, accelerate Scenario 1 plays
  2. LA MSA Employment Growth
    Sustained 2%+ confirms Scenario 1; negative signals Scenario 3
  3. Transit Project Completion
    Purple Line is the bellwether — delays cascade across Olympic zones
  4. Multifamily Occupancy
    Below 93% = Scenario 3 gaining probability

Conclusion

Timing is Everything

The 2028 Olympics will reshape Los Angeles, but the magnitude of that transformation hinges on factors largely outside local control — Federal Reserve policy, national employment trends, and global capital flows.

For Investors

Diversify across all three scenarios. The market is pricing in Scenario 2, so Scenario 1 offers upside optionality, while Scenario 3 requires defensive positioning.

For Residents

If planning to buy and hold 7+ years, the Olympics are a tailwind regardless of scenario. If speculating on 2-3 year appreciation, you're betting on mortgage rates — and that's a coin flip.

Key Insight

The real story isn't whether home prices rise or fall — it's who benefits and who gets displaced. Track the human impact of Olympic-driven gentrification.

The starting gun has been fired. The question is: Which race are we running?

Los Angeles 2028 Olympics Real Estate Investment Strategy Scenario Analysis