2026 Market Overview for Buyers
2026 Market Overview: Mortgage Relief + More Buyer Opportunity
2026 Forecast: A More Balanced Housing Market for Buyers
Key Forecast Highlights for 2026
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The average 30-year mortgage rate is expected to settle near 6.3%, down modestly from about 6.6% in 2025. This slight rate relief helps ease monthly payment burdens.
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Home prices are projected to rise 2.2% nationwide, a moderate increase following 2025 gains. Still, when adjusted for inflation, “real” home prices may barely hold or even decline — giving buyers a relative affordability window.
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Inventory growth continues: active listings are forecast to increase by 8.9%, and new single-family home starts are expected to rise by 3.1%. That influx of supply improves buyer choice and reduces pressure from heavy competition.
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The typical monthly mortgage payment is projected to shrink to about 29.3% of median household income — finally dipping below the traditional 30% affordability threshold for the first time since 2022.
For Buyers, Sellers & Investors
For prospective homebuyers — especially first-time buyers, young families, or those previously priced out — 2026 looks more favorable than recent years. Slower price growth and easier financing could open the door for those waiting on the sidelines.
New supply — both resale and newly built — should ease inventory pressure. That gives buyers more time to evaluate homes and negotiate instead of rushing in a constrained market.
Laura Graves Can Help You
Navigating a shifting real estate landscape — with rising inventory, changing rate dynamics, and localized market fluctuations — requires local expertise and careful strategy. Here’s how Laura Graves supports:
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Market insight & timing: She helps you identify when and where price trends and inventory supply create the best opportunities.
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Access to listings early: Whether resale or new construction, she can connect you to properties before competition heats up.
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Strategic buying guidance: From loan planning to negotiation tactics, Laura helps you maximize affordability and long-term value.
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Tailored solutions: Whether you’re buying a first home, upgrading, or investing — she aligns options with your goals and budget.
If you’re considering buying or investing in 2026, now’s a big chance where conditions are more favorable — but timing, location, and strategy remain key.
Contact Laura Graves today for your future home NOWEmail: [email protected]
Your luxury Miami lifestyle awaits — with an expert you can trust.
