Lower mortgage rates boosting demand early in 2026
Mortgage rates near 6% are driving higher home sales and applications, with inventory and new listings also rising in 2026.
Housing Market
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Americans are moving less frequently — and staying closer to home
Bank of America’s findings suggest that the era of a dramatic nationwide migration has faded, replaced by a quieter trend of households trading one nearby city for another due to better housing affordability.
Housing demand is off to a solid start in 2026
Mortgage rates and spreads stabilize, driving growth in home sales and inventory for the 2026 housing market.
Existing home sales outlook improves as mortgage rates stabilize
Normalized mortgage spreads and steady rates may drive the first real year of home sales growth since 2021.
US foreclosure filings rise 14% in 2025 as FHA borrowers face greater risk
U.S. foreclosure filings rose 14% in 2025 to 367,460 properties, but they remain 87% below the 2010 peak, according to ATTOM data.
Is the lock-in effect loosening its grip on housing? Realtor.com thinks so
U.S. homeowners who carry mortgages with rates of 6% or more now outnumber those with rates below 3%.
Lower mortgage rates support steady new home sales
The long-delayed report shows new home sales reached 737,000 in October 2025, up 18.7% from last year, as mortgage rates fall near 6%
U.S. housing inventory growth slows to 10% as demand reshapes the 2026 market
Inventory growth has slowed to 10% year over year as demand drives a more balanced and seasonal 2026 housing market, according to HousingWire data.
The impact of lower mortgage rates on housing inventory
U.S. housing inventory growth slowed to 9.99% year-over-year last week as mortgage rates near 6% and price cuts reach 34.7%.
December jobs data continues to support lower mortgage rates
December jobs growth slowed to 50,000, keeping mortgage rates near 6% with steady and Trump’s MBS move supporting better spreads.