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What’s being reported Time Out summarizes UBS’s new Global Real Estate Bubble Index: Miami ranks #1 for bubble risk , driven by stretched price-to-rent and price-to-income ratios after years of outsized gains. “High risk” in the UBS methodology starts at 1.5 ; Miami’s 2025 score is shown at the top of the table. What that actually signals The index is a risk gauge , not a timing call. UBS highlights vulnerabilities—affordability, ownership costs (insurance/HOA), and inventory

UBS’s 2025 Global Real Estate Bubble Index ranks Miami No. 1 for bubble risk , ahead of Tokyo and Zurich. Scores above 1.5  indicate “high risk”; Miami’s is ~1.73 . The index flags stretched price-to-rent  and price-to-income  ratios after outsized gains since 2020. Important context The UBS index is a risk gauge , not a timing call. It says vulnerabilities are elevated—but doesn’t predict an immediate drop. UBS also notes long-run tailwinds (coastal/tax advantages, ongoing m

The snapshot Miami’s market is moving on two tracks: luxury keeps leading, while the lower tiers cool under high rates and insurance costs. August data showed high-end condos outperforming on sales and velocity, reinforcing a year-long pattern. MIAMI REALTORS® What’s driving it Cash dominance.  A growing share of $1M+ purchases are cash—insulating luxury deals from rate pressure. Realtor Brand & new build premiums.  New construction and top addresses keep commanding higher pr