Housing Market 2026: Slow Growth, Tight Supply, and a New Normal

After years of record prices, doubled mortgage rates, and the lowest sales in decades, the 2026 housing outlook points to something unusual: stability. Tim Lucas and Craig Berry break down why experts expect slow price growth—not a crash—and how regional differences will shape buyer and seller decisions next year.In this episode you’ll learn:Price forecasts: Most experts predict 2–4% national appreciation; some see as low as 0.5%.Why no crash: Mortgage delinquencies at 3.42% and a massive $17.8 trillion in homeowner equity keep the market stable.The supply puzzle: A 4.7 million home shortage nationwide—yet oversupply in parts of Florida and Texas after aggressive pandemic-era building.Rates staying elevated: Expect 6%+ through 2026; anything below 6% is considered a “bonus,” not the baseline.Sales outlook: NAR projects 10–20% more home sales; Fannie Mae expects ~9.2% growth.The shift in power: Inventory up 22 straight months, reaching 4.6 months of supply, giving buyers more negotiating room—especially for homes that need work.Read the full article:https://www.mortgageresearch.com/articles/housing-market-forecast-2026/