Housing Market

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Mid-Year 2026 Housing Report: A Market Defined by Stability, Not Strength

The first half of 2026 began with optimism as falling mortgage rates raised expectations for a stronger housing market, but geopolitical events, and renewed inflation concerns quickly altered that outlook. Our mid-year housing report examines the trends shaping today’s market and what Veros’ latest VeroFORECAST suggests for home prices over the next 12 months.

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Chart showing why home prices remain high despite elevated mortgage rates

Why Home Prices Remain High Despite High Mortgage Rates

Many expected home prices to decline as mortgage rates climbed and affordability deteriorated, but today’s housing market is being shaped by an equally important shortage of homes for sale. Learn how low inventory, the mortgage lock-in effect, record homeowner equity, and years of underbuilding continue to keep home prices elevated despite slower sales activity.

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The Truth About Investors in Today’s Housing Market

The composition of investor activity in the U.S. housing market has shifted dramatically since the pandemic, with large institutional investors reducing acquisitions while smaller investors have become increasingly active. This article examines the latest investor trends, the impact of higher mortgage rates, and how new federal housing legislation could reshape investor participation in the years ahead.

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The Pandemic Changed Home Sellers Forever

The housing market has changed fundamentally since the pandemic, not because homeowners have become more reluctant to negotiate, but because they have become far more financially secure. Record home equity, historically low mortgage rates, and higher moving costs have created a new generation of “optional sellers,” helping explain why delistings have increased and home prices have remained resilient despite slower sales.

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How Affordability Is Drawing the Housing Map in 2026

The U.S. housing market is becoming increasingly regional as 2026 approaches. While affordability and steady demand are supporting several Midwest and Northeast metros, many Sun Belt markets are grappling with slowing prices after years of rapid growth. Understanding local supply, demand, and affordability conditions is now essential for buyers, sellers, and investors alike

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