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Expert Forecasts Point to Affordability Improving in 2026
Wondering what to expect from the housing market in 2026? You’re not the only one. For the past few years, affordability has been the biggest barrier standing between most people and their next move. And a lot of buyers and sellers have been holding their breath waiting for things to get better. The good news? It’s finally happening.
In 2025, affordability was the best it’s been in 3 years. And experts agree the momentum will keep going in 2026. And that’s based on their analysis of the key factors shaping the housing market in the year ahead: mortgage rates, inventory, and home prices.
Lower Mortgage Rates Are Already Here
Mortgage rates have already come down from their peak. By some counts, they dropped by almost a full percentage point over the course of the last year. And that’s a big deal, even if it doesn’t sound like it. But how low will they go? And should you wait for them to come down more? Here’s your answer.
Forecasts suggest they’ll stay pretty much where they are now and hover in the low 6% range throughout 2026 (see graph below):
Where they go from here really depends on what happens with the economy, the job market, and any changes in monetary policy the Fed makes in the year ahead. The important thing is, they’re already lower than they were just one year ago and that’s ideal if you’re planning a 2026 move.
- For buyers: A lower rate reduces monthly payments and increases buying power. And, that combo helps more people qualify for homes that previously felt just out of reach.
- For sellers: It may be time to accept that rates in the 6s are the new normal. And if you need to move, it’s doable, especially with your equity.
Even More Options Are on the Way
In 2025, the number of homes for sale improved by about 15%. As inventory rose, buyers regained things they hadn’t had in years: options, time to consider those options, and negotiating leverage. That helped restore more balance to the housing market.
Not to mention, the inventory gains are a big piece of what’s helped price growth slow down – which in turn improves affordability.
While the inventory gains this year aren’t expected to be as steep, experts at Realtor.com say the supply of homes for sale should grow by another 8.9% this year.
- For buyers: That means even more choice and more negotiating power.
- For sellers: Pricing your house right will be essential to draw in buyers.
Home Price Growth Is Slowing to a More Sustainable Pace
With more homes for sale, there isn’t as much upward pressure on prices right now. And we’ve seen that shake out over the past year. Even so, the overwhelming majority of experts say, nationally, prices will continue rising in the year ahead – just at a slower pace. On average, they say prices will rise by 1.6% in 2026 (see graph below):
And that’s reassuring if you’ve been fed content on social media saying prices are going to come crashing down. But here’s what you need to remember most about this. It’s going to vary a lot by area.
So, lean on a local agent for the latest on what’s happening where you are. Some markets will see prices rise more than this. Others may see prices come down slightly. It really all depends on conditions in your local market
But overall, prices will continue to rise at the national level. And that’s good for the market as a whole. As Realtor.com explains:
“For homebuyers and sellers, the shift signals a more balanced market—one where price growth steadies, rate relief offers breathing room, and negotiating power tilts subtly toward buyers.”
- For buyers: Expect more moderate price growth, not the sudden and intense spikes just a few short years ago. That gives you fewer surprises and more predictability, which makes budgeting a whole lot easier.
- For sellers: This slower price growth restores balance without putting your equity at risk. And that’s a win.
More Homes Will Sell
All of this adds up to a better affordability equation in 2026. And that’s exactly why experts are saying we should see more homes sell (and more people buy) this year.
As Mischa Fisher, Chief Economist at Zillow, says:
“Buyers are benefiting from more inventory and improved affordability, while sellers are seeing price stability and more consistent demand. Each group should have a bit more breathing room in 2026.”
The bottom line is, more people are finally going to be able to make their move this year. So, the question is: will you be one of them? The market is giving you an opportunity you haven’t had in a while. Maybe it’s time to take advantage of it.
Bottom Line
Affordability won’t change suddenly overnight. But, with several key trends working together, it should slowly and steadily improve in the months ahead.
That’s exactly why, in 2026, you should see a market with more balance, more predictability, and more breathing room than you’ve had in years.
Want more information about the opportunities unlocking in our local market?
Let’s chat.
Thinking About Selling Your House As-Is? Read This First
If you’re thinking about selling your house this year, you may be torn between two options:
- Do you sell it as-is and make it easier on yourself? No repairs. No effort.
- Or do you fix it up a bit first – so it shows well and sells for as much as possible?
In 2026, that decision matters more than it used to. Here’s what you need to know.
More Competition Means Your Home’s Condition Is More Important Again
Over the past year, the number of homes for sale has been climbing. And this year, a Realtor.com forecast says it could go up another 8.9%. That matters. As buyers gain more options, they also re-gain the ability to be selective. So, the details are starting to count again.
That’s one reason most sellers choose to make some updates before listing.
According to a recent study from the National Association of Realtors (NAR), two-thirds of sellers (65%) completed minor repairs or improvements before selling (the blue and the green in the chart below). And only one-third (35%) sold as-is:
What Selling As-Is Really Means
Selling as-is means you’re signaling upfront that you won’t handle repairs before listing or negotiate fixes after inspection. That can definitely simplify things on your end, but it also narrows your buyer pool.
Homes that are move-in ready typically attract more buyers and stronger offers. On the flip side, when a home needs work, fewer buyers are willing to take it on. That can mean fewer showings, fewer offers, more time on the market, and often a lower final price.
It doesn’t mean your house won’t sell – it just means it may not sell for as much as it could have.
How an Agent Can Help
How an Agent Can HelpSo, what should you do? The answer isn’t one-size-fits-all. It’s going to depend a lot on your house and your local market.
And that’s why working with an agent is a must. The right agent will help you weigh your options and anticipate what your house may sell for either way – and that can be a key factor in your final decision.
- If you choose to sell as-is: They’ll call attention to the best features, like the location, size, and more, so it’s easy for buyers to see the potential, not just the projects.
- If you decide to make repairs: Your agent can pinpoint what’s really worth the time and effort based on your budget and what buyers care about the most.
The good news is, there’s still time to get repairs done. Typically speaking, the spring is the peak homebuying season, so there are still several months left before buyer demand will be at its seasonal high. That means you have time to make some repairs, without rushing or stressing, and still hit the listing sweet spot.
The choice is yours. No matter what you end up picking, your agent will market your house to draw in as many buyers as possible. And in today’s market, that expertise is going to be worth it.
Bottom Line
While selling as-is can still make sense in certain situations, in some markets today, it may cost you. So, no, you don’t have to make repairs before you list. But you may want to.
To make sure you’re considering all your options and making the best choice possible, let’s have a quick conversation about your house.
Reasons To Be Optimistic About the 2026 Housing Market
A Market That’s Finally Finding Its Footing
If a move is on your radar for 2026, here’s some good news: there’s a lot more working in your favor than there has been in a while.
After several years of tight inventory, fast decisions, and frustrating trade-offs, the housing market is starting to feel… more normal. Not “easy.” Not predictable. But balanced — and that’s a big deal.
2026 is shaping up to be a year with:
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More options
-
More negotiating room
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More clarity for both buyers and sellers
And this shift isn’t based on wishful thinking. It’s coming from economists across the industry who are seeing real changes in supply, affordability, and buyer behavior.
As Realtor.com Chief Economist Danielle Hale puts it:
“After a challenging period for buyers, sellers and renters, 2026 should offer a welcome, if modest, step toward a healthier housing market.”
Let’s break down why that matters, and what it could mean here in Walpole, West Roxbury, Roslindale, Dedham, Norfolk, Wrentham, and Westwood.
1. Inventory Is Slowly — But Meaningfully — Improving
For the past few years, the biggest challenge for buyers wasn’t interest rates. It was lack of choice.
Many homeowners felt “locked in” by low mortgage rates and simply didn’t want to give them up. The result? Fewer listings, more competition, and buyers making rushed decisions just to stay in the game.
That’s starting to change.
According to the National Association of Realtors (NAR):
“Top economists have one word to sum up the housing market for 2026: opportunity. Lower mortgage rates and a rising supply of homes are expected to open up the housing market.”
In our local Massachusetts markets, that likely means:
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More listings coming online across multiple price points
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Less pressure to waive protections just to compete
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More realistic timelines for buyers and sellers
Inventory doesn’t need to flood the market to make a difference. Even moderate increases can dramatically change the experience.
2. Buyers Are Gaining Purchasing Power (Even If Rates Don’t Plummet)
Here’s a truth that doesn’t always make headlines: affordability isn’t only about interest rates.
Income growth, wage stability, and price appreciation all play a role — and for the first time in years, those forces are starting to line up.
Mark Fleming, Chief Economist at First American, explains it this way:
“Mortgage rates may drift down only slowly, but income growth exceeding house price appreciation will provide a boost to house-buying power.”
In practical terms, that means:
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Buyers may qualify for more than they expect
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Monthly payments become more manageable over time
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Fewer people feel priced out before they even start
Especially in towns like Dedham, Roslindale, and West Roxbury, this could open doors for buyers who paused their plans in 2023–2025.
3. Sellers Are Seeing Price Stability — Not a Crash
One of the biggest fears sellers have right now is, “What if I wait too long and miss the peak?”
The good news? Most economists aren’t predicting a sharp drop in home values.
Mischa Fisher, Chief Economist at Zillow, sums it up well:
“Buyers are benefiting from more inventory and improved affordability, while sellers are seeing price stability and more consistent demand.”
That’s a healthier market for everyone.
For sellers in places like Westwood, Walpole, and Norfolk, this means:
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Less urgency to “beat the market”
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Strong pricing when homes are positioned correctly
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Buyers who are serious, prepared, and intentional
Homes still sell well — they just sell with strategy, not frenzy.
4. Negotiation Is Back (Yes, Really)
For years, buyers had very little leverage. Multiple offers were common, inspections were skipped, and sellers held all the cards.
In 2026, negotiation is making a comeback.
You may see:
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Inspection contingencies returning
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Credits or concessions for repairs
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More thoughtful offers instead of rushed ones
This doesn’t mean buyers suddenly control the market. It means both sides can have a real conversation again — and that’s a win for smoother transactions.
5. Why Local Insight Matters More Than Ever
Here’s the part that really matters — especially in Massachusetts.
National trends are helpful. Local trends are everything.
Lisa Sturtevant, Chief Economist at Bright MLS, explains it clearly:
“Market performance will hinge on local economic conditions, making 2026 one of the most geographically divided markets we’ve seen in years.”
What does that mean for you?
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Walpole and Westwood may see stronger demand from move-up buyers
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Roslindale and West Roxbury may attract buyers priced out of other Boston neighborhoods
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Norfolk and Wrentham could benefit from buyers seeking space and flexibility
Same state. Same year. Very different outcomes.
That’s why understanding your specific market — not just the headlines — makes all the difference.
Bottom Line: A Smarter, More Balanced Market Is Taking Shape
2026 isn’t about timing the market perfectly.
It’s about being informed, prepared, and strategic.
If you’re thinking about:
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Buying your first home
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Selling and moving up
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Downsizing or relocating
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Or just understanding your options
This is a year worth paying attention to.
If you’d like to talk through what these trends mean specifically for your neighborhood, let’s connect. I’m happy to walk you through what’s happening locally and help you decide your best next move.
Your House Didn’t Sell. What Now? A Smarter Strategy to Get It Sold.
When your house doesn’t sell, it does more than disrupt your plans, it hits close to home. You prepared for the next chapter. You told people you were moving. You pictured where you’d go next. And then nothing happened.
It’s normal to feel frustrated, confused, or even a little embarrassed. But here’s the part you have to remember: just because your house didn’t sell the first time, doesn’t mean it won’t sell.
And here’s what most agents won’t tell you. In most cases, the difference typically comes down to the strategy behind the sale, not the house itself. And there’s real data to back that up.
Research from REDX found over half (54%) of homeowners who re-list with a different agent end up selling their house. Re-list with the same agent? That stat drops to only 36%. You deserve better odds than that.
So, if your house didn’t sell, don’t stress. You’re not stuck. You may just need a different professional with a different approach.
Because, at the end of the day, maybe the problem wasn’t the market or your home. It was the strategy.
Let’s break down what might’ve gone wrong – and how a fresh perspective can help you have a winning plan this time.
1. The Price Was Working Against You
A lot of sellers are aiming a bit too high these days, hoping to match the price their neighbor got during the 2021 frenzy. And that’s not working anymore.
Today’s buyers are being more selective. Even a slightly overpriced home will get overlooked today. And once your listing starts to go stale, it’s hard to regain momentum. The result? A widening gap between seller and buyer expectations (see graph below). That could be what cost you your sale.
The Fix: Get a fresh pricing analysis rooted in what’s happening right now in your neighborhood – not what happened in 2021. Sometimes even a small adjustment can bring the right buyers through the door. HousingWire reports many successful sellers only had to reduce their price by about 4% to get real traction. In the grand scheme of selling a home, it’s really not that much.
2. Your House Didn’t Show Well
You only get one shot at a first impression. If the listing photos didn’t pop, the house wasn’t staged well, or it wasn’t updated, most buyers today will skip over it without ever scheduling a showing. And even if buyers did pass through, small things like scuffed walls, outdated light fixtures, or a wobbly doorknob can turn them away.
The Fix: Let’s walk through your house with fresh eyes to see if there are any areas that may have been sticking points inside and out. Sometimes simple updates (new paint, updated lighting, fresh landscaping, or better listing photos) can completely change how buyers react.
3. It Didn’t Get the Right Exposure
If your home didn’t sell, chances are it wasn’t getting the visibility it deserved. Generic flyers and a few online photos aren’t enough anymore. Today’s top agents are using highly targeted digital marketing, social media strategies, custom video content, and more to get your listing in front of the right buyers at the right time.
The Fix: We have to do more than just put your house online and hope it sells. With the right pricing, staging, and marketing, your house can still sell. It may even happen faster if you switch agents. Here’s a real-world example (see graph below):
4. You Weren’t Willing To Negotiate
4. You Weren’t Willing To NegotiateIn this market, flexibility matters. If you weren’t open to negotiating on repairs, closing costs, or other concessions, buyers may have walked, especially because many now expect at least some give-and-take.
The Fix: Be willing to meet buyers where they are. The goal is to get the deal done – and sometimes that means getting creative to cross the finish line. Home values have increased by 48.5% over the last five years, so you likely have enough wiggle room to offer some perks without sacrificing your bottom line.
Bottom Line
If your house didn’t sell and your listing has expired, you’re not stuck. You just need a better plan. And maybe, a better partner.
Same house. Different strategy. Completely different results.
If you’re ready to understand what held your sale back (and how to get it right this time), let’s take a fresh look together. A few strategic shifts could be all it takes to get your move back on track.
Location, Location, Location: How a Flexible Wish List Can Unlock Better Homes Without Raising Your Budget
The Problem (and the Opportunity)
One of the biggest advantages you can give yourself as a homebuyer right now is surprisingly simple: a flexible wish list.
Think of your home search like it has guardrails. On one side is your budget. On the other is your wish list. When your budget needs to stay put (and let’s be honest — for most buyers, it does), the only lever left to pull is how rigid your wish list really needs to be.
And here’s the good news: most buyers figure this out mid-search — and it works in their favor.
According to a recent study from Cotality, about 70% of buyers ended up compromising on at least one item from their original wish list. Yet before they started searching, only 33% thought they would compromise at all.
What changed?
They realized something important:
The things you can’t change matter far more than the things you can.
What Buyers Learn Once They’re in the Market
When buyers first start looking, it’s easy to get attached to finishes, features, and aesthetics. Quartz countertops. Perfect hardwood floors. A Pinterest-ready bathroom.
But once you’ve walked through a few homes — especially in competitive areas like Walpole, Dedham, Westwood, and West Roxbury — reality sets in.
Here’s what buyers quickly learn:
You can change later:
- Install hardwood floors
- Upgrade kitchens and baths
- Add custom closets
- Improve landscaping
You can’t easily change:
- The location
- Lot size or usable land
- Proximity to family, schools, or work
- The home’s fundamental layout or “bones”
That realization is powerful. And it’s often the moment when buyers stop feeling stuck — and start seeing options.
Why Location Still Wins (Especially Locally)
In towns like Roslindale, West Roxbury, Walpole, Norfolk, Wrentham, and Westwood, location impacts far more than resale value. It affects your daily life.
Location determines:
- Your commute time
- School districts and community feel
- Access to shops, trails, commuter rail, and highways
- How connected you feel to the people and routines that matter most
You can remodel a kitchen.
You can’t remodel a commute.
A slightly dated home in the right neighborhood often turns out to be the smarter long-term choice — both financially and emotionally.
A Simple Exercise That Opens More Doors
If your search feels frustrating or everything online looks like a “no,” this one exercise can completely reset the process.
Grab a pen (or your Notes app) and write down everything you want in a home. Then sort each item into three buckets:
1. Must-Haves (Non-Negotiables)
These are the things that make daily life workable:
- Minimum number of bedrooms or bathrooms
- Commute limits
- Accessibility needs
- Being close to family, schools, or support systems
2. Nice-to-Haves
Features you’d absolutely enjoy — but could live without:
- Fenced-in yard
- Dual closets
- Finished basement
- Patio or deck
3. Dream Features
The “one day” list:
- Chef’s kitchen
- Spa-like primary bath
- Oversized lot
- Fully renovated everything
Once you do this, something almost always jumps out.
Many buyers are accidentally treating nice-to-haves like must-haves.
Loosen that just a little — and suddenly homes you scrolled past start to make sense.
Small Flexibility, Big Payoff
Stretching your options doesn’t mean settling. It means choosing strategically.
Maybe that looks like:
- A home with solid bones that needs cosmetic updates
- A slightly smaller yard in exchange for a better location
- One less bathroom, but a layout that works long-term
These aren’t sacrifices. They’re smart trade-offs.
Because while finishes can be upgraded over time, the right location, layout, and neighborhood set you up for years — not just move-in day.
Why a Local Agent Changes the Game
This is where working with a local expert really matters.
A good agent doesn’t just unlock doors — they help you:
- Identify which compromises are worth making
- Spot homes with hidden potential
- Understand which features truly affect resale in your specific town
- Avoid giving up things you’ll regret later
In markets like Dedham, Walpole, and Westwood, experience matters. Knowing the neighborhoods, the micro-markets, and what’s actually flexible makes all the difference.
Bottom Line
Your next home doesn’t need to check every box.
It just needs to check the right ones.
If you’re ready to find a home that fits both your budget and your life, let’s take a look at your wish list together. A little flexibility — guided by the right strategy — can open up far more opportunity than you might expect.
Thinking about buying in Walpole, West Roxbury, Roslindale, Dedham, Norfolk, Wrentham, or Westwood?
Let’s review your wish list and find the homes you may be overlooking.
Why More Homeowners Are Giving Up Their Low Mortgage Rate (And Why That Might Be Smarter Than It Sounds)
Why More Homeowners Are Giving Up Their Low Mortgage Rate
If you’re like a lot of homeowners, you’ve probably thought: “I’d like to move… but I don’t want to give up my 3% rate.” That’s fair. That rate has been one of your best financial wins – and it can be hard to let go. But here’s what you need to remember...
A great rate won’t make up for a home that no longer works for you. Life changes, and sometimes, your home needs to change with it. And you’re not the only one making that choice.
The Lock-In Effect Is Starting To Ease
Many homeowners have been frozen in place by something the experts call the lock-in effect. That's when you won't move because you don’t want to take on a higher rate on your next home loan. But data from Federal Housing Finance Agency (FHFA) shows the lock-in effect is slowly starting to ease for some people.
The share of homeowners with a mortgage rate below 3% (the yellow in the graph below) is slowly declining as more people move. And while some of the people with a rate over 6% are first-time buyers, the number of homeowners with a rate above 6% (the blue) is rising as others take on higher rates for their next home:
And while it may not seem that dramatic, it’s actually a pretty noteworthy shift. The share of mortgages with a rate above 6% just hit a 10-year high (see graph below). That shows more people are getting used to today’s rates as the new normal.
Why Are More People Moving Now, if It Means Taking on a Higher Rate?
It’s simple. Sometimes they can’t put their life on pause anymore. Families grow, jobs change, priorities shift, and a house that once fit perfectly may not fit at all anymore – no matter how good their rate was. And that’s okay. As Chen Zhao, Head of Economic Research at Redfin, explains:
“More homeowners are deciding it’s worth moving even if it means giving up a lower mortgage rate. Life doesn’t standstill—people get new jobs, grow their families, downsize after retirement, or simply want to live in a different neighborhood. Those needs are starting to outweigh the financial benefit of clinging to a rock-bottom mortgage rate.”
First American refers to these life motivators as the 5 Ds:
- Diplomas: People with college degrees typically earn more, and that adds up to more buying power. Maybe you bought your house when you were younger and now that you’ve graduated and have a rising career, you’re ready to move up.
- Diapers: You’ve outgrown your space. If you’re welcoming a new baby, your current home might not be cutting it anymore.
- Divorce: Whether it’s ending a marriage (or starting one), it can create the need for a new place to call home.
- Downsizing: You’re ready to downsize. Maybe the kids have moved out and it’s time to simplify. Smaller house, less maintenance, more freedom.
- Death: If you’ve recently lost a loved one, maybe you’ve realized you want to be closer to family. Life’s too short to live far from the people who matter most.
Whatever your reason, here’s what you need to think about. Yes, your low rate is great. But staying put means your life may stay on hold. And maybe that’s not working for you anymore.
According to Realtor.com, nearly 2 in 3 potential sellers have already been thinking about moving for over a year. That’s a long time to press pause on your plans. On your needs. On your family’s goals. So, maybe the question isn’t: “Should I move?”
It’s actually: “How much longer am I willing to stay somewhere that no longer fits my life?”
Because we’ve already seen rates come down from their peak earlier this year. And they're expected to ease a bit more in 2026. When you stack that on top of the very real reasons you may need a new home, it may be enough to finally move the needle for you.
Bottom Line
Life doesn’t wait for the perfect rate. Maybe you shouldn’t either.
With mortgage rates down from their peak and forecast to dip slightly more in 2026, moving may be more feasible than you think. If you’re ready to see what’s possible in our market, let’s talk.
The Housing Market Is Turning a Corner Going into 2026
The Housing Market Is Turning a Corner Going into 2026
After several years of high mortgage rates, buyer hesitation, and sellers clinging to their 3% loans like a Dunkin’ iced coffee on the first 70-degree day, momentum is quietly building beneath the surface of the housing market.
Sellers are reappearing. Buyers are re-engaging. And for the first time in what feels like forever…things are actually moving again.
No, it’s not a surge. But it is a shift… and it’s one that could set the stage for a stronger, more balanced year in 2026 across communities like Walpole, West Roxbury, Dedham, Roslindale, Norfolk, Westwood, and Wrentham.
So, what exactly is changing?
Here are the three big trends breathing life back into the housing market right now with the real data to back it up.
1. Mortgage Rates Have Been Trending Down (Finally!)
Mortgage rates are always going to bounce around. That’s just what they do… They rise, fall, spike, calm down, and occasionally remind us all to practice deep breathing. But when you zoom out and look at the bigger picture, one trend is extremely clear:
Rates have been trending downward for most of 2025.
Mortgage Rates: Sloping Downward All Year
This is the most consistent downward movement we’ve seen in years, and in the past few months, buyers have actually benefited from the best rates of 2025.
Sam Khater, Chief Economist at Freddie Mac, explains why this matters:
“On a median-priced home, this could allow a homebuyer to save thousands annually compared to earlier this year, showing that affordability is slowly improving.”
What falling rates mean for buyers in our area
Lower rates = lower borrowing costs = more buying power.
Simple math. Big impact.
According to Redfin, a buyer with a $3,000/month mortgage budget can now afford about $25,000 more home than they could just a year ago.
That may mean:
- Moving from a 2-bed to a 3-bed in Dedham
- Getting a yard instead of a patio in West Roxbury
- Actually competing in multiple-offer situations in Walpole
- Not sacrificing the garage in Westwood
- Or getting closer to town centers in Roslindale
The bottom line?
More buyers are finding they can say “yes” again and they’re jumping back in.
2. More Homeowners Are Finally Ready To Sell
For years, homeowners with ultra-low mortgage rates stayed put, creating the “rate-lock effect.”
No one wanted to give up their 2.8% mortgage (and honestly, who can blame them?).
But that’s changing.
Inventory Is Rising for the First Time in Years
We’re seeing the number of homes for sale growing and not just a little. Inventory is climbing toward levels we haven’t seen in 6 years.
What’s driving sellers back into the market?
- People outgrowing their homes
- Downsizing
- Job changes
- Relocations
- Relationship changes
- Babies
- Empty nests
- Aging parents
- More space needed for work-from-home
- Or simply: “We’ve been waiting for years… let’s just do it.”
And as rates move downward, the fear of trading in a low rate is slowly fading.
How rising inventory impacts buyers
This is a very good thing.
More homes means:
- More choices
- Less frantic bidding
- More balance
- A healthier market overall
Communities like Walpole, Norfolk, Wrentham, Dedham, and Westwood are all seeing this trend firsthand. Homeowners who paused in 2023–2024 are finally making their move.
3. Buyers Are Re-Entering the Market And The Data Proves It
Buyers aren’t just window shopping online, they’re actively applying for mortgages again.
The Mortgage Bankers Association reports that purchase applications are up compared to last year.
Buyer Demand Is Up Compared to 2024
Week after week this fall, 2025 is outperforming 2024 in purchase activity. That’s a clear sign that demand is real, not theoretical.
Why this matters heading into 2026
Economists from:
- Fannie Mae
- MBA
- National Association of Realtors (NAR)
…all forecast moderate but steady sales growth heading into 2026.
No one’s predicting a boom. No one’s expecting a frenzy.
Instead, the projection is something we haven’t had in years:
A normal-ish, stable, active market.
Across Greater Boston suburbs from West Roxbury to Walpole, Westwood to Roslindale, this stability is exactly what many buyers and sellers have been waiting for.
So… Is the Market “Back”?
It’s not roaring.
It’s not sluggish.
It’s not chaotic.
It’s not frozen.
It’s simply turning a corner.
And that is very, very good news.
Here’s what’s happening right now:
- Mortgage rates are trending down
- More listings are coming on
- Buyers are stepping back in
- Competition is rising, but not overwhelming
- Sellers are gaining confidence
- Buyers are gaining options
If you’re planning a move in 2026, whether buying or selling, your window of opportunity is opening.
Bottom Line
After several slower-than-normal years, the housing market is finally shifting into a healthier, more active phase.
Declining mortgage rates, an increase in listings, and rising buyer activity all point to real momentum, especially across our local communities.
If you want to understand what this means for the value of your home or for your buying power, I’d love to walk you through it.
Let’s connect today.
Get your free home valuation or schedule a buyer consultation for 2026 planning.
Is Winter a Good Time to Sell Your Home in Massachusetts? (The Truth May Surprise You)
Is Winter a Good Time to Sell Your Home in Massachusetts? (The Truth May Surprise You)
If you’ve ever heard that “nobody buys homes in winter,” I’m here to tell you that’s a myth, especially in Massachusetts.
Sure, buyers might be wearing gloves and boots, and yes, your landscaping is probably taking a long nap under a snowbank. But here’s the twist: winter can be one of the most strategic times to sell your home.
Especially in towns like Walpole, West Roxbury, Roslindale, Dedham, Norfolk, Wrentham, and Westwood where inventory is already tight.
Let’s walk through the real data, the real pros and cons, and what sellers can do to win the winter market.
What the Massachusetts Market Looks Like in Winter
Even though buyer activity dips, the market does NOT shut down.
Low Inventory = Big Advantage for Sellers
Data from Lamacchia Realty and MLS-PIN indicates:
- Winter months show the lowest inventory of the year,
- Massachusetts inventory often dips to 1.5–2 months of supply in January/February,
- Buyers who are active during winter tend to be serious and ready to close.
Less competition can mean your home:
✔ gets more attention
✔ stands out more
✔ may receive stronger offers
✔ spends fewer days on market
Sales Still Happen AND Prices Stay Strong
Look at January 2025:
- Home sales were up over 7% year-over-year in Middlesex, Norfolk, and Suffolk County
- Average sale price in those counties jumped 9.3%
Even in the coldest part of the year, homes are moving… and moving well.
Why Selling in Winter Can Actually Work In Your Favor
1. You Face Less Competition
Spring brings a flood of new listings. Winter brings… not much.
That scarcity works in your favor.
A buyer touring four homes instead of twenty is going to remember yours.
2. Winter Buyers Are Highly Motivated
People shopping for homes in winter are almost never “casual browsers.”
They are often:
- Job relocators
- Growing families who can’t wait
- Renters whose leases are expiring
- Buyers tired of spring bidding wars
These buyers come prepared, pre-approved, and ready to submit offers.
3. Your Home Can Feel Extra Warm & Inviting
Winter staging is underrated.
Soft lighting, warm colors, a cozy living room creates an environment where buyers feel the emotional pull instantly.
If you’ve ever been in a house in January with the fireplace going… you get it.
4. Faster, More Efficient Closings
Winter typically means:
- Fewer transactions overall
- Lenders and attorneys with lighter caseloads
- Faster appraisal and inspection schedules
This leads to a quicker path from offer → closing.
Challenges Sellers Need to Navigate
1. Exterior Curb Appeal Is… Icy
Snow and dormant landscaping don’t do your yard any favors.
Buyers can’t:
- See the lawn
- Assess the garden
- Inspect the full roof
- Visualize summer curb appeal
But you can work around this. (Scroll to the staging checklist below.)
2. Fewer Buyers Touring
You will likely have fewer total showings.
But each showing is likely more serious. A benefit in disguise.
3. Weather Can Interfere with Showings
Storm delays, rescheduling, early sunsets… all part of the Massachusetts winter lifestyle.
Sellers should have:
- Multiple showing-time options
- Night-time lighting ready
- Clear sidewalks and de-iced driveways
- A flexible schedule
Seller Checklist: How to Sell Successfully in Winter
Exterior Prep
✔ Shovel walkways, steps, driveways before every showing
✔ Add exterior lighting. Those sunsets are early!
✔ Place a new doormat (buyers notice!)
✔ Salt walkways for safety
Interior Prep
✔ Keep the heat comfortable (nothing says “run” like a cold house!)
✔ Add warm throw blankets, soft lighting, candles (unscented)
✔ Use bright bulbs to counter the darker days
✔ Remove bulky winter coats/shoes from the entryway
✔ Clean windows. Winter sunlight shows everything
Marketing Prep
✔ Use professional photography (That’s a non-negotiable. I ALWAYS do!)
✔ Include summer exterior photos in your listing. If you have photos let’s show off the landscaping
✔ Highlight heating system age, insulation, windows
✔ Promote energy-efficiency upgrades (huge in Massachusetts)
Local Insights: How Winter Selling Performs in Your Towns
Walpole, Norfolk, Wrentham, Westwood
These suburbs typically see:
- Strong buyer demand year-round
- Low winter inventory
- Commuter-rail appeal even in winter
- Families relocating for school districts
Your listing stands out more.
West Roxbury, Roslindale, Dedham
Winter attracts:
- First-time buyers
- Downtown city-to-more suburban movers
- Renters looking to leave their leases
These buyers tend to be decisive and ready to move fast.
So... Should You Sell Your Home This Winter?
If your timeline allows it, then yes, winter can be a powerful time to sell in Massachusetts.
You’ll face:
- Less competition
- Motivated buyers
- Potentially quicker closings
With the right preparation, your home can absolutely shine in a winter market.
Thinking about selling this winter? Get your free Winter Home Value Estimate and custom Winter Seller Strategy today.
What a Government Shutdown Really Means for the Housing Market (and Why It’s Not the Disaster You Think)
What a Government Shutdown Really Means for the Housing Market (and Why It’s Not the Disaster You Think)
The Big Question on Everyone’s Mind
There’s been a lot of talk lately about how a government shutdown might affect the housing market. If you’ve scrolled through the news or social media lately, you’ve probably seen headlines suggesting chaos and confusion. You might even be wondering if home sales grind to a halt when Washington does.
The short answer? Nope.
While a shutdown can cause a few speed bumps, it doesn’t stop the real estate market. Homes are still being bought and sold, contracts are still being signed, and closings are still happening. The difference is that a few parts of the process may slow down—but overall, the market keeps moving.
What Typically Happens When the Government Shuts Down
Whenever the federal government shuts down, certain agencies temporarily close or scale back operations. And since real estate has a few moving parts that depend on those agencies, some transactions experience small delays.
Here’s how it usually plays out:
-
Loan Processing Delays:
Buyers using FHA, VA, or USDA loans may experience delays in getting their loans processed. These types of loans make up roughly a quarter of all mortgage applications, and when agency staff are furloughed, approvals can take longer.“Applicants for FHA, VA, or USDA loans—which account for about one-quarter of all mortgage applications—may encounter significant processing delays due to agency furloughs.”
– Selma Hepp, Chief Economist at CoreLogic -
Flood Insurance Snags:
If you’re buying in a flood zone, federal flood insurance may be required to close. The National Flood Insurance Program (NFIP) sometimes pauses during shutdowns, which can temporarily stall closings until the government reopens. -
Verification Backlogs:
Lenders often rely on IRS and Social Security verification systems to confirm income or identity information. During a shutdown, those systems can slow or temporarily close, which creates a minor backlog in mortgage underwriting.
Even with those hiccups, most deals still move forward. Real estate agents, lenders, and attorneys have become experts at navigating these pauses. If a buyer’s loan requires a federal verification, for example, many lenders can proceed “subject to” confirmation once the system is back online.
The Housing Market Doesn’t Stop—It Just Slows Down Briefly
The important thing to understand is that the housing market doesn’t freeze—it flexes.
If you look back at the last major government shutdown, which lasted 35 days from December 22, 2018, to January 25, 2019, you’ll see what really happens.
According to the National Association of Realtors (NAR), home sales dipped slightly during the closure—but rebounded quickly once the government reopened.
The data shows a short-term slowdown during the shutdown (the orange bars), followed by a strong bounce-back as delayed closings were completed once federal offices reopened.
This wasn’t a seasonal drop—it directly lined up with the shutdown period. Once federal workers were back and loans started flowing again, pending transactions quickly closed, and home sales returned to normal levels.
Why the Market Bounces Back So Fast
There are a few reasons housing recovers quickly after a shutdown:
-
Demand Doesn’t Disappear:
Buyers who were ready to move don’t just walk away—they wait. Once systems are back online, those deals rush to the finish line. -
Inventory Stays Stable:
Sellers don’t suddenly pull listings because of government news. Homes remain on the market, creating pent-up activity once the delay ends. -
Confidence Returns Quickly:
Real estate is an essential need. Once the uncertainty lifts, both buyers and sellers regain confidence and the market quickly resets. -
Mortgage Rates Usually Stay Steady:
Rates are more influenced by inflation and the Federal Reserve than by a temporary shutdown. Historically, shutdowns haven’t caused dramatic swings in mortgage rates.
What This Means for Buyers and Sellers Right Now
If you’re currently under contract—or about to be—don’t panic. Most transactions will continue, even if they take a few extra days.
“If you’re expecting to close in a week or a month, there could be some slight delay, but I think for most people, it’s probably going to be a blip more than a real deal killer.”
– Jeff Ostrowski, Housing Market Analyst at Bankrate
If you’re in the early stages of house hunting or preparing to sell, this might even work in your favor. Here’s why:
-
Less Competition:
Some buyers and sellers take a wait-and-see approach during times of uncertainty. That means less competition for motivated buyers and more visibility for active sellers. -
Negotiation Leverage:
When fewer people are in the market, sellers may be more open to price negotiations or concessions—especially if they want to keep their timeline. -
Opportunity to Prepare:
If you’re thinking of selling in 2026, use this moment to tackle your pre-listing projects, update your home, and get it market-ready before activity spikes again.
What About Interest Rates and the Economy?
A government shutdown doesn’t directly cause mortgage rates to rise or fall. However, it can temporarily affect economic data reporting, which the Federal Reserve relies on to guide policy decisions.
If data releases are delayed, the Fed might take a cautious approach—potentially keeping rates steady longer. That could actually benefit buyers who lock in before rate volatility returns.
In short: while a prolonged shutdown might slow economic reporting, it’s unlikely to trigger any major housing crisis.
Local Impact: What It Means in Greater Boston and Beyond
Here in Massachusetts, the ripple effects are minimal. Buyers in communities like Walpole, Dedham, West Roxbury, Roslindale, Norfolk, Wrentham, and Westwood may see an extra day or two of waiting if their loan type relies on federal verification, but the broader market continues to function.
Local lenders, attorneys, and agents are well-versed in keeping transactions moving. If you’re planning to buy or sell this fall or winter, staying proactive—and working with experienced professionals—will keep you on track.
Bottom Line
A government shutdown can create short-term slowdowns, but it doesn’t derail the housing market. Historically, sales bounce right back once the government reopens.
If you’re in the middle of a transaction, stay calm and stay in communication with your agent and lender. And if you’re just starting your home search or planning your next move—now’s the perfect time to prepare strategically.
Let’s connect and talk through your situation so you can make informed decisions, no matter what’s happening in Washington.
Massachusetts’ New Home Inspection Law went into Effect October 15, 2025: What You Need to Know
Massachusetts’ New Home Inspection Law went into Effect October 15, 2025: What You Need to Know
Buying or selling a home in Massachusetts just got a little more interesting.
Starting October 15, 2025, a new state law changes how home inspections work, and more importantly, how waiving them doesn’t.
If you’ve ever been in a bidding war, you know the pressure: “Waive the inspection and maybe they’ll pick your offer!” Well, Massachusetts has officially decided that’s not the kind of competition it wants in the housing market.
Let’s break it down minus the legal jargon and plus a little sanity.
What’s Actually Changing
Under the new rule (760 CMR 74.00), sellers and their agents can no longer make accepting an offer dependent on a buyer skipping their home inspection.
That means:
- Sellers can’t say “We’ll only take your offer if you waive inspection.”
- Sellers must provide a new disclosure form confirming buyers’ inspection rights—signed by both parties before signing an offer or purchase and sale.
- Buyers can still choose to skip an inspection, but it has to be a truly voluntary decision—not the result of pressure, suggestion, or Jedi mind tricks from the seller’s side.
- The law applies to 1–4 unit homes, condos, and co-ops.
- It’s only for contracts signed on or after October 15, 2025.
So no, home inspections aren’t mandatory, but now, neither is feeling cornered into giving one up.
Why Massachusetts Did This
Let’s face it: the past few years have been a real-estate circus. Between record-low inventory and sky-high competition, buyers have been dropping inspections faster than you can say “foundation crack.”
The state decided it was time to cool things down. Officials cited consumer protection and fairness making sure buyers get the chance to make an informed decision without sacrificing safety or sanity.
As Governor Healey’s team put it, this rule helps level the playing field. No more bidding-war brinkmanship that leaves homeowners with buyer’s remorse and a roof that leaks in five places.
What Buyers Should Know
The good news: you have more breathing room.
- You’ll receive (and sign) a disclosure form confirming your right to a home inspection.
- You still get to decide whether to inspect or not.
- Sellers can’t use “no inspection” as leverage to pick another offer.
Does that mean you should always inspect? That depends. If you’re handy, have nerves of steel, or enjoy the thrill of mystery repairs, maybe not. For everyone else, it’s usually a smart move.
Even with the new protections, it’s still worth negotiating your inspection timeline and setting clear expectations. The law allows “reasonable limits” (like capping repair requests), so communication is key.
What Sellers and Agents Need to Know
Here’s the short version: if you’re selling, update your process yesterday.
- Make sure that disclosure form is signed by both parties before any offer or P&S agreement.
- Don’t hint, imply, or outright suggest that inspection waivers make offers stronger.
- Review your templates and contingencies to ensure compliance.
- Keep everything documented. Massachusetts loves its paperwork.
This law isn’t about forcing anyone into longer closings; it’s about transparency. Think of it as adding one more checklist item to keep everyone out of hot water.
Pro tip: if you’re an agent, train your team early. Better to have an awkward “here’s the new rule” conversation now than an awkward call from the Attorney General later.
Who’s Not Affected
A few exceptions apply:
- Family-to-family sales (including estates or divorces).
- Foreclosures and similar lender transfers.
- Certain new-construction homes under warranty.
For everyone else, yes, this includes your charming three-family in Roslindale and that Cape in Westwood… the new regulation applies.
What It Means for the Local Market
If you’ve been buying or selling around Greater Boston, you know “contingency-free” offers became the norm. This new rule might shift that dynamic.
Expect:
- More buyers including inspections again.
- Slightly longer timelines (inspectors, rejoice).
- More balanced negotiations and less “take it or leave it.”
And maybe... just maybe, a few fewer stress-induced gray hairs for everyone involved.
It’s not a huge shake-up, but it does reset expectations. Sellers can still evaluate offers based on price, terms, and timing. They just can’t base it on who’s brave enough to skip an inspection.
Quick Tips for Smooth Transactions
Buyers:
✅ Make sure you sign that inspection-rights disclosure before your offer.
✅ Schedule your inspection ASAP after the offer’s accepted.
✅ If you skip it, do so by choice, not because you felt pressured.
✅ Still read the report (if you get one). Knowledge is cheaper than repairs.
Sellers:
✅ Review and sign the new disclosure form with buyers.
✅ Don’t accept offers that hinge on waiving inspections.
✅ Communicate your timeline clearly to keep things moving.
✅ Remember: transparency builds trust and trust sells homes.
Agents:
✅ Update your forms and checklists.
✅ Educate your clients (and your office) on the changes.
✅ Keep signed documentation handy for compliance.
Bottom Line
Massachusetts isn’t outlawing home-inspection waivers, it’s just removing the pressure that turned “optional” into “expected.”
The goal? A fairer process, fewer hidden surprises, and maybe a few more buyers sleeping soundly the night before closing.
Whether you’re buying in Dedham, selling in Walpole, or eyeing that colonial in Norfolk, take the time to understand the new rule and use it to your advantage.
Because at the end of the day, a house should feel like home… not like a pop quiz you didn’t study for.
