In 2026, mortgage rates average around 5.6%, remaining steady but lower than 2023 highs. Home prices are expected to rise modestly by about 1.7%, with no crash anticipated. Housing inventory is slowly increasing but still below pre-2020 levels, leading to a mostly neutral market nationally. Foreclosures are rising but remain low compared to past crises. Buying is advisable only if financially prepared, with strong debt management and savings.