The honest answer: it depends on your situation. Renting continues to offer lower monthly costs and flexibility in many markets, especially for those without substantial savings or uncertain time horizons. Modest home price appreciation means waiting probably won’t lead to dramatically lower purchase prices.
But ownership builds equity and stabilizes long-term housing costs. If buying is your goal, 2026 might be best viewed as a preparation period—strengthening credit, building savings, and monitoring your target market can materially improve your future buying power.
There’s no universal right answer. Align your housing decision with your personal circumstances, not predictions.
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