Housing affordability in 2026 is telling a more encouraging story than it has in years. After the turbulence of 2022 through 2024, a lot has quietly shifted. Inventory is up, bidding wars have cooled in many regions, and sellers are more willing to negotiate. If you have been sitting on the sidelines, this may be the clearest window you have had in a long time to make a realistic move into homeownership.
mortgage rates 2026
Mortgage Rates Outlook 2026: What Buyers in the USA and Canada Should Expect Now | Travla.xyz
Mortgage rates in 2026 are on every potential homebuyer’s mind, and for good reason. After years of volatility, many buyers are stuck between two questions: is now finally a reasonable time to buy, or is it worth waiting for rates to come down further? After following the data closely and speaking with buyers on both sides of the border, my honest answer is that the picture is clearer than it has been in some time, and the strategy question matters far more than the timing question at this point.