What to Expect in 2026 (and how to start preparing now)

Nationally, economists are calling 2026 the year of the "Great Housing Reset." After a few years of "wait-and-see" energy, we are heading into a much more balanced and predictable market.

• Experts from NAR and Zillow project mortgage rates to continue a "slow drift downward," likely averaging in the low 6% range. This modest dip is expected to unlock a significant amount of pent-up buyer demand.

• Active listings are projected to rise nearly 9% year-over-year, giving buyers more choices than they've had since 2020.

• Home values are expected to stay firm but grow modestly (around 2–4%), which is great news for sellers wanting to protect their equity without pricing out the market.

   

That being said, you don't have to be ready to list (or buy) tomorrow to start winning in 2026. Here is what you can do this January to get ahead of the game:

If You’re Thinking of Selling:

• Use the quiet of January to walk your property with a "buyer’s eye." Check for drafts, service your HVAC, and note any small cosmetic repairs (like paint touch-ups) you can tackle before the spring rush.

• Gather your appliance manuals, HOA docs, and a list of any upgrades you’ve made. Having this ready early makes the actual listing process a breeze.

• Call me! Let’s grab a coffee and look at your specific property’s value. Knowing your numbers now helps you plan your next move with confidence.

   

If You’re Thinking of Buying:

• Start cleaning up your financials. Use the New Year to check your credit score and avoid any major purchases (like a new truck or boat) that could affect your debt-to-income ratio before applying for a mortgage.

• Define your "must-haves.” Is 2026 about a rental-ready condo or a  cabin with room for the whole extended family? Narrowing your focus now helps us jump on the right property the second it hits the MLS.