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4 Predictions About the Housing Market in 2026
High mortgage rates will keep 81% of homeowners locked into existing loans while sellers hold firm, limiting inventory and prompting demand for new equity access methods in 2026.
- The U.S. housing market is set for recalibration in 2026, according to Splitero, based on late‑2025 data and distributed by Stacker, not a rebound or collapse.
- Most forecasts indicate mortgage 'lock‑in' will persist with rates above 5.5% through 2026; more than 81% of homeowners hold rates below 6%, while ICE and FHFA data show significant rate gaps.
- Market data show active listings rose 15.3% year‑over‑year in October 2025 while total inventory stayed about 13% below the 2017-2019 average; entering Q3 2025, homeowners held $11.6 trillion in accessible home equity, with credit limits restricting access, Experian reported.
- A buyer-seller gap is causing inventory to stall as sellers postpone listings and homeowners with unconventional income turn to home equity investments.
- Homeowners entering 2026 should prioritize making their current homes and mortgages work harder, while borrowers who bought during 2023-2025 may consider rate-and-term refinances if rates decline.
Insights by Ground AI
31 Articles
31 Articles
Compass sees housing market stabilization in 2026
The U.S. housing market is expected to stabilize in 2026 after several years of slow sales and elevated prices, according to an outlook released by Compass. The report, developed by Compass chief economist Mike Simonsen, forecasts flatter home-price appreciation, increased inventory and modest growth in sales as wages rise and long-delayed buyers and sellers return to the market. National home prices are projected to grow about 0.5% in 2026, whi…
Coverage Details
Total News Sources31
Leaning Left2Leaning Right0Center25Last UpdatedBias Distribution93% Center
Bias Distribution
- 93% of the sources are Center
93% Center
C 93%
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