If buying a home is on your radar, you've probably been keeping an eye on mortgage rates and home prices. But don’t forget about homeowners insurance.Homeowners insurance has always been part
Reasons To Be Optimistic About the 2026 Housing Market
Dated: December 29 2025
Views: 373
If a move is on your radar for 2026, there’s a lot more working in your favor than there has been in a while.
After a stretch where many people felt stuck, 2026 is shaping up to be a year with more balance, more options, and more clarity for people who want to make a move. Not because the market is suddenly “easy,” but because several key conditions are shifting.
Here’s what the experts are saying you have to look forward to.
Danielle Hale, Chief Economist at Realtor.com:
After a challenging period for buyers, sellers and renters, 2026 should offer a welcome, if modest, step toward a healthier housing market.
The National Association of Realtors (NAR):
Top economists have one word to sum up the housing market for 2026: opportunity. Lower mortgage rates and a rising supply of homes are expected to open up the housing market . . . something the real estate industry and potential home buyers and sellers have been waiting for, following three years of stagnation.
Mark Fleming, Chief Economist at First American:
. . . for the first time in several years, the underlying forces are finally aligned toward gradual improvement. Mortgage rates may drift down only slowly, but income growth exceeding house price appreciation will provide a boost to house-buying power — even in a higher-rate world. Affordability won’t snap back overnight, but like a ship finally catching a steady tailwind, it’s now sailing in the right direction.
Mischa Fisher, Chief Economist at Zillow:
Buyers are benefiting from more inventory and improved affordability, while sellers are seeing price stability and more consistent demand. Each group should have a bit more breathing room in 2026.
Why Local Insight Matters More Than Ever
Just remember, while the national outlook is improving, conditions will still be different based on where you live. Some markets will move faster than others. Some will see stronger price growth. Others will remain flat. As Lisa Sturtevant, Chief Economist at Bright MLS, explains:
Market performance will hinge on local economic conditions, making 2026 one of the most geographically divided markets we’ve seen in years.
That’s why understanding what’s happening in your specific area is key. The national trends set the stage, but local dynamics determine how they play out for you. And that's why you need an agent.
Bottom Line
If you want to talk through what’s expected for our local market and which trends you’ll want to take advantage of, let’s connect.
Danielle Coyle
Top Realtor® in Monmouth & Ocean County, New Jersey Danielle Coyle is a top Realtor® in Monmouth and Ocean County, New Jersey, with over 30 years of real estate experience. Licensed since 1991, she....
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