2026 Housing Market: Opportunities for Affordable Homeownership Ahead

Slowing home price growth, modestly rising inventory, and expected lower mortgage rates in 2026 offer buyers more options, though many still wait. Home price growth slowed to 1.4% in 2025, with existing home sales declining slightly. Mortgage rates dropped from 6.95% to 6.10%, reducing monthly payments. A housing crash is unlikely due to strong homeowner equity and improved inventory. Buyers should focus on affordability and market readiness rather than timing.