The 2026 Housing Market: Growth , Balance and Opportunity

After a slower few years, 2026 is expected to bring renewed movement to the housing market. Experts project more activity across Miami and the Florida Keys, as improving conditions encourage more buyers and sellers to make their move.

Many homeowners paused plans due to affordability challenges, but that’s starting to change. Two key factors—mortgage rates and home prices—are showing signs of stabilization. After peaking near 7% earlier this year, rates have started to ease. Forecasts suggest they could fall into the low 6s or even high 5s in 2026. Even a small dip in rates can save buyers hundreds per month, improving overall affordability in South Florida.

At the same time, home price growth is expected to be moderate. National forecasts call for annual gains of about 2–3%, which is slower but far more sustainable than the rapid spikes of 2020–2022. That stability gives buyers more confidence and sellers steady equity growth.