Americans are feeling better about their financial situations – but that doesn't mean they are necessarily ready to make the commitment to home buying. In fact, even as their jobs appear stable and their incomes are the same or better than a year ago, a record high 82% believe it's a bad time to buy.

That's the finding of the Fannie Mae National Housing Survey for July, and it's up 4% from June. "Unsurprisingly, consumers continue to attribute the challenging conditions to high home prices and unfavorable mortgage rates," said the agency's chief economist Doug Duncan. And the share of people expecting home prices to keep climbing over the next 12 months has risen month-over-month, adding to the perception houses are unaffordable.

On the flip side, 36% of sellers are sticking with the view that this is not a good time to sell – indicating that the low availability of houses on the market is likely to continue in the near term, Duncan noted.