2026 market shift: more leverage for buyers
The 2026 market is rewarding prepared buyers
If the last few years felt like you had to rush, waive everything, and still lose out, you are not alone. Heading into 2026, the housing market is trending toward a more balanced, buyer-friendly environment in many areas. That does not mean homes are suddenly cheap or that every listing is a bargain. It means the process is getting more normal, and buyers who plan well can negotiate more effectively.
I’m Mauricio Perez, and here’s what is driving buyer behavior right now, plus how you can use it to your advantage.
1) Inventory is improving, and that changes everything
When inventory rises, buyers get options. Options create leverage.
Realtor.com projects active listings will continue to grow in 2026, extending the inventory recovery for another year. That is a big reason we are seeing fewer bidding wars and more room for negotiation. (Source: https://www.realtor.com/) Realtor+1
Redfin data also points to a buyer-leaning setup in many markets, with sellers outnumbering buyers nationally in recent readings. When there are more sellers competing for fewer buyers, concessions and price flexibility tend to increase. (Source: https://www.redfin.com/) Redfin+1
What this means for you:
You can be more selective about location, layout, and condition
You may be able to negotiate repairs, closing costs, or rate buydowns
You have a better shot at keeping important protections like inspections
2) Rate expectations are influencing timing decisions
Many buyers are watching rates and hoping for a drop. The key is that most major forecasts call for modest movement, not a dramatic plunge. Meanwhile, weekly mortgage-rate averages can still move up and down, so the best plan is to stay flexible and focus on overall affordability.
Freddie Mac’s weekly Primary Mortgage Market Survey is a helpful baseline for understanding where conventional rates have been trending recently. (Source: https://www.freddiemac.com/) Freddie Mac
NAR’s economists have also discussed expectations for 2026, including the idea that rates may improve gradually rather than quickly. (Source: https://www.nar.realtor/) nar.realtor+1
What this means for you:
If you find the right home at the right terms today, waiting for a small rate improvement can backfire if prices rise or competition increases in your neighborhood. A smarter approach is to:
Buy based on monthly payment comfort
Negotiate strong terms
Keep an eye on refinance opportunities later if rates improve
3) Lifestyle is driving purchase decisions more than ever
Buyers are prioritizing how a home functions day to day. That means:
Dedicated home office space
Flexible layouts for multigenerational living
Rental income potential like an ADU, basement unit, or duplex style living
This shift matters because it changes what “value” means. Two homes at the same price can feel very different depending on layout and flexibility. In a more balanced market, you can slow down and choose the home that fits your real life, not just the one you can win in a bidding war.
How to win in a buyer-leaning 2026 market
Here is the playbook I recommend for buyers who want leverage:
Get clear on your numbers before you shop
Know your comfortable payment range, not just your maximum approval.
Get fully prepared
Pre approval, documentation ready, and a clean strategy for down payment and reserves.
Target negotiable listings
Look for homes with longer days on market, price reductions, or sellers open to concessions. (Source: https://www.redfin.com/) Redfin
Negotiate the right things
Price is only one lever. Closing costs, repairs, warranties, and rate buydowns can matter just as much.
Your 2026 game plan starts with a quick conversation
2026 is shaping up to be a market where strategy matters more than speed. If you are thinking about buying or refinancing, I can help you build a simple plan based on your goals, timeline, and budget.
Reach out to Mauricio Perez and I will help you map out next steps.
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