Expert Forecasts Point to Affordability Improving in 2026

Wondering what to expect from the housing market in 2026? You’re not the only one.
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Wondering what to expect from the housing market in 2026? You’re not the only one.

If you’re like a lot of homeowners, you’ve probably thought: “I’d like to move… but I don’t want to give up my 3% rate.”

After several years of high mortgage rates and hesitation from buyers, momentum is quietly building beneath the surface of the housing market.

A lot of buyers are stuck in “wait and see” mode right now.

Mortgage rates have been the monster under the bed for a while. Every time they tick up, people flinch and say, “Maybe I’ll wait.” But here’s the twist. Waiting for that perfect 5-point-something rate could end up haunting your wallet later.

If you paused your plans to move because of high rates or prices, it may finally be time to take a second look at your numbers.

After a couple of years where the housing market felt stuck in neutral, 2026 may be the year things shift back into gear.

You want mortgage rates to fall – and they’ve started to. But is it going to last? And how low will they go?

A recent survey from Bank of America asked would-be homebuyers what would help them feel better about making a move, and it’s no surprise the answers have a clear theme.

Mortgage rates are finally heading in the right direction – and buyers are starting to jump back in.