February 2026 National Real Estate Insights

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February 2026 Housing Market Insights: Key Trends at a Glance

The February National Market Insights Report highlights a housing market finding its balance in 2025. National home prices have risen 3.2% year-over-year, signaling steady growth. Inventory remains tight, but a 5% increase in new listings since January and accelerated construction offer hope for buyers. Mortgage rates, steady between 6.1%-6.3%, are shaping buyer strategies with a growing preference for adjustable-rate mortgages and rate buydown programs.

For Buyers: Opportunity Knocks

Buyers are gaining leverage, thanks to slightly expanded inventory and rising seller concessions, particularly in suburban and secondary markets. Pre-approval and exploring builder incentives or lender programs can make all the difference in a market where patience and preparation pay off.

For Sellers: Stand Out to Win

It’s a strong time to list if your home is move-in ready. Competitive pricing, staging, and showcasing energy-efficient features or location perks can draw attention. First impressions are everything—overpricing risks extended market time and price cuts.

Regional Highlights

• Sunbelt states: Migration hotspots with job growth and affordability driving demand.
• Northeast metros: Tight inventory keeps competition high, but buyers are increasingly value-focused.
• West Coast markets: Slower price growth but consistent demand in tech-driven areas.
• Midwest cities: Affordable and gaining traction with first-time buyers.

What’s Ahead

With inventory growth and steady interest rates on the horizon, the spring market promises balanced opportunities for buyers and sellers alike. Ready to navigate today’s market? Partner with a knowledgeable agent to capitalize on these trends.