In 2026, home price growth is slowing with modestly rising inventory and predicted lower mortgage rates, encouraging buyers but some prefer to wait. Mortgage rates have decreased, with a 30-year fixed rate around 6.36%, and further drops expected. Home sales declined due to low inventory and consumer confidence, but inventory is gradually increasing. Monthly payments are lower than the previous year, improving affordability. Buyers should assess personal situations and secure favorable mortgage terms by improving credit, comparing lenders, and getting pre-approved.