Zillow’s 2026 Housing Market Predictions

Zillow economists predict the housing market will warm up in 2026, with more sales and modest price growth.

Key Takeaways: 

• Home values are forecast to rise 1.2% in 2026, with the number of major markets seeing annual price declines projected to fall from 24 markets as of October to 12 next year.
• Zillow projects 4.26 million existing home sales next year — a 4.3% increase over 2025 — as improving affordability brings more demand back to the market. 
• Rent affordability is expected to improve in 2026, with multifamily rents forecast to rise just 0.3%.

The housing market should settle into a healthier state in 2026, with buyers seeing a bit more breathing room and sellers benefitting from price stability and more consistent demand. 

On the heels of a year of small wins for home buyers — slight affordability gains and buyer-friendly conditions in 19 major markets — home buyers and sellers can expect a modest rise in home values, a few more sales and mortgage rates holding above 6%. Many apartment renters should look forward to some affordability relief, as well. 

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-Master Negotiator-

Buying a home in 10 steps

From finding your community and navigating the mortgage process, to closing and moving in

Buying a home is a major milestone and a significant financial decision that involves careful planning and research. It typically begins with assessing your financial readiness — reviewing your credit score, determining your budget and getting preapproved for a mortgage. Once you have a clear understanding of what you can afford, the next step is to identify your needs and preferences, such as location, size, amenities and proximity to work or schools. Working with a real estate agent can help streamline the process, from finding suitable properties to negotiating offers.

After a seller accepts your offer, the process moves into the due diligence phase, which can include home inspections, appraisals and finalizing your mortgage. It's important to review all documents carefully and understand the terms of your loan and any contingencies in the purchase agreement. Closing the deal involves signing legal paperwork, paying closing costs and officially transferring ownership. While the process can be complex, being well-informed and prepared can make buying a home a rewarding and successful experience.

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Mortgage rates fall again. Averages are half a point lower than a year ago.

All eyes now on Federal Reserve ahead of next week's meeting

Mortgage rates are back near 2025 lows — falling for the second week in a row.

The 30-year, fixed-rate mortgage average dropped to 6.19% in the week ended Thursday, according to mortgage giant Freddie Mac. That's lower than last week and half a point beneath the average in the same week a year ago.

Similarly, the 15-year, fixed-rate mortgage averaged 5.44%, down from last week. A year ago, the loan averaged 5.96%.

Daily mortgage rates were also hovering near 2025 lows as of Thursday morning, with the 30-year, fixed-rate mortgage at 6.23% and the 15-year, fixed-rate mortgage at 5.75%.

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