After a flat 2025 defined by high rates and tight inventory, the housing market is finally showing signs of life heading into 2026. Economists at the National Association of REALTORS® expect home sales to climb about 14% next year as job growth holds steady, mortgage applications rise, and rates drift toward the low-6% range. Prices aren’t expected to drop, but a modest 4% increase keeps appreciation manageable.
What We Learned From 2025
This year highlighted a split market: higher-priced homes ($750K–$1M) sold the fastest, while first-time buyers hit a record low due to high rents, student loans, and childcare costs. Homes that sat too long needed price cuts, reminding sellers that strategy not wishful pricing—wins.
How Buyers Can Prepare for 2026
– Strengthen credit and pay down debt to open better loan options.
– Look into FHA loans, down-payment assistance, and employer housing benefits.
– Get pre-approved early so you’re ready when rates shift or new inventory appears.
– Track your target price range—mid-tier homes may see the most activity in 2026.
All signs point to a healthier, more active market ahead. If 2025 was a pause, 2026 could be the year many buyers finally get their chance.
If you have questions about 2026 email me at cbond@raypoynor.com
