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The Julia La Roche Show · Saturday, September 12, 2026

Whalen: $100 Oil and 5% Rates are the New Normal

Chris Whalen states that $100 a barrel for oil and 5% on the ten-year treasury are becoming the new normal. He attributes this shift to global factors like the Ukraine-Russia conflict impacting supply and suggests that consumers and those in the housing market will need to adjust to higher financing costs.

The tape

2 quotes
So I think we're in a world where not only things like oil prices, but also interest rates are going back to quote unquote normal after 15 years of the Fed and other factors keeping these prices down.
So, for example, we're at 5% on the ten-year treasury now. I think that's going to be normal. And I think people who work in my world and housing are going to have to get used to that world. And indeed, I think consumers are going to have to get used to that world. The cost of buying a house and financing it is going to be higher.
Heard on The Julia La Roche Show — “#407 Chris Whalen: $100 Oil, 5% Rates, and a Home Price Correction Coming for the Whole Country, published Saturday, September 12, 2026. Heardvine summarizes and quotes with attribution and timestamps, and links to the original everywhere.
Transcribed via Gemini audio transcription · $0.05
Whalen: $100 Oil and 5% Rates are the New Normal — Heardvine