The housing market in 2026 is at a crossroads. Mortgage rates remain elevated compared to historical lows, home prices have not fallen significantly in most markets, and inventory is still limited in major cities. First-time buyers face affordability challenges not seen in decades. Yet some experts argue that waiting could be even more expensive if rates drop and demand surges. Is now a good time to buy a house or should you wait? The crowd is divided and the stakes could not be higher.
