01/31/2026
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2026 Market Update-
For the first time in years, more mortgages now have rates above 6% than below 3%
Rates are easing: After peaking at 7.04% early last year, 30-year rates ended 2025 around 6.2%.
Inventory is bouncing back: Inventory is trending up, especially in key markets.
Shift in buyer mindset: Despite higher rates, more buyers are acting on life changes (marriage, divorce, etc.) and not waiting.
Builders and Sellers are getting creative: Rate buydowns and other incentives are helping buyers land better-than-market rates.
