Are Mortgage Rates Finally Turning a Corner in 2026?

Rates are projected to remain in the low-6% range throughout 2026, offering slightly better affordability than previous years.

Further gradual easing is possible if inflation cools and economic momentum softens, though sharp rate drops remain unlikely.

Stable borrowing costs may encourage cautious buyer re-entry, supporting moderate growth in purchase and refinance activity.

Sustainable housing recovery will depend more on inventory and economic strength than minor mortgage rate fluctuations.