Where Could the Market Be Headed in 2026?

For the first time in years, homeowners with a 6%+ mortgage rate now outnumber those with 3% rates — a major shift toward more market mobility.

As more homeowners hold higher-rate mortgages, the “lock‑in” effect (where sellers don’t want to give up their ultra‑low rate) will slowly fade. That means more homes could hit the market, giving buyers long‑awaited choices and helping bring balance back to real estate.

While rates remain higher than a few years ago, signs like this are encouraging — showing that the market may finally be turning a corner toward more opportunities for everyone.

Bottom line: The tide might finally be shifting. If you’ve been on the sidelines waiting for signs of change, it could be time to start planning your next move — before the next wave of buyers jumps back in.