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Buyers gained leverage as rates and uncertainty cooled urgency, while sellers still priced carefully to attract serious offers in today's shifting US market.
30-yr rates touched the mid-6% range in Early-Q2, then moved into the low-6% range, keeping payment math central for buyers and sellers.
Agent Survey Split
Midwest sellers' markets: 70%
Northeast sellers' markets: 74%
South sellers' markets: 13%
West sellers' markets: 22%
Well-priced homes can still draw multiple offers. Buyers may win repair payments, covered closing costs, or flexible move-in timing in softer markets.
Experts said a turnaround depends on rate stability, steady job growth, and less volatility; improved affordability could support stronger optimism into 2027.

The national outlook centered on three affordability drivers: lower mortgage rates, continued income growth, and slower home-price growth working together over time.
Meaningful, sustained payment relief was tied not to one factor alone, but to a combination of financing costs, earnings gains, and moderating price growth.
The affordability index used a payment-to-income lens, so lower loan amounts, lower rates, or higher earnings each supported better borrower conditions nationally.
By the same measure, worsening affordability happened when payment burdens rose against income, whether from larger loan requests, higher rates, or weaker earnings.
For buyers watching national conditions, the clearest signals ahead were mortgage rates, income trends, and whether home-price growth kept cooling in the US.