đ¨ URGENT: Think Twice Before Buying a Home in 2026
Iâve navigated markets through two major crashes and multiple booms over more than two decades. What I see today isnât a typical slowdownâitâs a structural freeze âď¸ thatâs locking the housing market in place.
Current data reveals a troubling gap: there are nearly 37% more sellers than active buyers right now. Buyer demand has fallen to levels we havenât seen since the early pandemic lockdowns. This isnât just a seasonal dipâitâs a near-total loss of momentum.
Why? Most homeowners are sitting on ultra-low mortgage rates from just a few years ago. With current 30-year fixed rates holding around 6.5%, the math of âtrading upâ or even moving sideways has become punishing. This paralysis means we have no real price discoveryâtodayâs listed prices arenât being tested by genuine, liquid market activity. Youâd essentially be buying an asset with an artificially sticky price tag đ.
If you take the plunge now, you risk locking yourself into a hefty monthly payment at a high interest rateâall while potential price growth remains muted. On leverage, if your homeâs value stays flat, that 6.5% interest isnât building equity; itâs slowly eroding your capital đŠ¸.
So whatâs the strategic move?
Patience. I believe the real reset in affordability will come in late 2026 into 2027. Thatâs when life eventsâthink job changes, family needs, or retirementâwill push the âhold-outâ sellers to finally list, even into a cooler economy.
¡ Stress-test your finances as if your income dropped by 20%.
¡ Keep your loan-to-value ratio conservativeâavoid starting out in negative equity.
¡ Only commit if you can hold for 10+ years, even if prices go sideways.
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