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2026 Real estate market OUTLOOK | What you need to know
House Pricing for 2026
- Moderate price appreciation statewide: Massachusetts home prices are projected to continue rising in 2026 at a measured pace, with statewide appreciation roughly 3–5%, reflecting ongoing demand and limited supply. High-demand markets like Greater Boston and Cambridge may see the upper end of that range (closer to ~4–6%), keeping prices elevated
- Regional variation within Massachusetts: Pricing trends in Western Massachusetts and smaller cities may show slower, steadier appreciation (e.g., ~2–3%) compared with Boston’s urban core, where strong job markets and limited new inventory continue to exert upward pressure on prices.
- Shift toward slower growth vs pandemic spike: After years of steep increases, Boston area pricing growth is expected to transition from double-digit gains (seen in 2025) toward flat or low-single-digit increases in 2026, especially as affordability pressures and slightly higher inventory temper extreme competition
- The Boston housing market continues to stand out as one of the most dynamic and competitive real estate landscapes in the United States.
- Renowned for its rich historical charm, world-class educational institutions, and thriving job market, Boston consistently attracts homebuyers, investors, and renters from around the globe.
Housing Inventory
- Tight inventory still supports pricing: Housing supply in Greater Boston remains constrained, which continues to support home values; even with modest inventory improvements, competition for well-priced homes is expected to persist, particularly in core urban and desirable suburban neighborhoods.
- Inventory remains constrained but slowly improving: Massachusetts inventory levels are still lower than historical norms as many homeowners with low mortgage rates stay put, but active listings have shown moderate growth, and some forecasts project an increase in available homes for sale in 2026 compared with recent years.
- Modest construction and new listings support balance: New construction and more sellers entering the market (including modest increases in listings in suburbs and MetroWest areas) should contribute to gradual, measured inventory increases, aiding market balance but not fully erasing the supply shortage.
Competition (Multiple Offers)
Competition (Multiple Offers)
- Strategic offers remain critical in competitive pockets: While overall multiple-offer frequency is moderating, well-priced, move-in-ready homes in strong local job markets and desirable school districts are still likely to attract multiple offers, requiring buyers to craft strategic, clean offers to prevail.
- Selective competitiveness tied to inventory scarcity and location: Markets with relatively low inventory compared with pre-pandemic levels—including parts of the Northeast—remain on lists of the nation’s hottest housing markets, where a significant share of homes still sells above asking price, signaling continued competition among buyers for limited supply.
- Less frequent bidding wars than pandemic peak, but still present in hot segments: Economists see a rebound in sales with more inventory choices easing intense competition compared with the frenzy of 2020–22. As inventory grows relative to a year ago, the prevalence of multiple-offer situations is expected to decline from the extreme levels seen earlier, though competition will persist in desirable neighborhoods and price tiers.
Mortgage Rates
HOME SELLERS: Here's What the NAR Settlement Means for You
Competition (Multiple Offers)
- Rates likely remain in the low-to-mid 6% range: Most forecasts (including Freddie Mac and Fannie Mae projections) expect the average 30-year fixed mortgage rate to stay around ~6.0–6.5% for much of 2026 — a modest decline from the 7%+ levels seen in 2025 but still elevated relative to historical norms.
- Gradual easing rather than sharp drops: Analysts widely anticipate only moderate decreases in 2026, with some models forecasting rates dipping toward the high-5% range later in the year if inflation cools and Treasury yields fall, but significant rate cuts below that are considered unlikely without major economic shifts.
HOME SELLERS: Here's What the NAR Settlement Means for You
HOME SELLERS: Here's What the NAR Settlement Means for You
HOME SELLERS: Here's What the NAR Settlement Means for You
As a home seller, you have a wide range of choices when it comes to listing your home. Agents who are REALTORS® are a trusted source of advice and stand ready to help you navigate this complex process and make the choices that work best for you. NAR’s recent settlement has led to several changes related to broker commissions that benefit sellers, and we wanted to clearly lay them out for you.
Here is what the settlement means for home sellers – CLICK BELOW TO READ MORE
HOME BUYERS: Here's What the NAR Settlement Means for You
HOME SELLERS: Here's What the NAR Settlement Means for You
HOME SELLERS: Here's What the NAR Settlement Means for You
Buying a home is one of the largest financial transactions most people will ever undertake. Agents who are REALTORS® are a trusted source of advice and stand ready to help you navigate your homebuying journey and make the choices that work best for you. NAR’s recent settlement has led to several changes that benefit homebuyers, and we wanted to clearly lay them out for you.
Here is what the settlement means for home sellers – CLICK BELOW TO READ MORE
Just Listed - 3 beds townhouse Saugus | $679,000
3 FAMILY (4/3/2 BEDS) – Listed $789,000 SOLD $820,000
JUST SOLD -1 bed condo, Jamaica Plain | $369,000
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