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I guess by "true value", I mean the value that assets would have had absent the housing-bubble induced speculative premium.

My best estimate for this quantity: let gamma = (historical price to own)/(historical price to rent), with "historical" meaning pre-1995. Gamma was more or less constant up until the housing bubble.

I'm guessing the "true value" of a house was in the neighborhood of gamma x (price to rent).



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