From The Founders: 2026 Market Predictions

As we look ahead to 2026, our leadership team is closely watching the shifts shaping the housing market, from interest rates and inventory to consumer behavior and evolving agent strategies. While each perspective is unique, a common theme emerges: momentum is returning, opportunities are opening, and trusted guidance matters more than ever. Here’s how Ashton, Rich, Justin, and Jarrod see the year ahead:

Ashton Ernst Ballard 

Co-Founder of Bolst

As we head into 2026, I expect the housing market to feel less restricted and regain more natural momentum. Rates have tempered, economic conditions are improving, and housing appears ready for a steady — not dramatic — bounceback. Rates and inventory will be the biggest factors shaping the year ahead. While great homes will continue to perform, a further downward shift in rates will help buyers feel confident competing on homes that aren’t perfect.

There’s opportunity on both sides of the market. Buyers should pay attention to homes that need a little TLC, where there’s strong upside potential. Sellers should focus on presentation — a well-prepared home truly stands out in today’s environment. For agents, the gap between good and great will continue to widen. Those who collaborate, prioritize real conversations, and use AI to improve efficiency will stand out as trusted advisors. If I had to describe the 2026 market in one word, it would be unrestricted. As the pressures that have held the market back begin to ease, this creates a more balanced and fluid year ahead.

Jarrod Thomas

Co-Founder of Bolst

I believe 2026 will be the year the housing market regains more typical transaction volume and finally makes a meaningful move forward. One of the biggest signals I’m watching is time. We’re now five to six years removed from the ultra-low COVID-era interest rates, and that passage of time brings real life changes that will push more sellers to move, even if they’re holding a favorable rate. That shift should unlock additional inventory and activity.

For agents, top performers in 2026 will be the ones who are truly “AI-proof.” That means being able to clearly articulate their value during buyer consultations and listing appointments, especially as consumers come to the table with AI-generated questions and expectations. While AI usage will continue to grow, I also expect to see a pullback in social media use by the general public, making real, personal connections even more important. Agents who focus on authentic relationships and clear expertise will be the ones who continue to grow and stand out.

Justin Landis

Co-Founder of Bolst

I believe 2026 will be a year of opportunity and increased momentum. For the first time in a while, I expect transaction volume to rise year over year. While we won’t return to the pace of 2021, the market is clearly picking up. Mortgage applications are significantly higher than this time last year, which signals meaningful pent-up demand, even though transactions haven’t fully caught up yet.

Interest rates remain a key factor, as the market is extremely rate-sensitive. When rates dip, we’re likely to see sharp spikes in activity. For agents, this creates real opportunity — we finally have some wind at our backs. Those who continue building their pipeline, staying consistent, and preparing now will be well positioned for a strong spring and a productive year ahead.

Rich Richardson

Co-Founder of Bolst

As we look ahead to 2026, I expect an active year with buyers gaining a bit more leverage and the market moving toward better balance. Sales activity should increase modestly, with flat to moderate price growth. As we’ve seen recently, correctly pricing homes will remain critical to generating movement and successful sales. Interest rates will be the biggest driver in 2026. While a dramatic drop may not come early in the year, any positive movement from the Fed should bring more buyers off the sidelines and increase activity.

There are meaningful opportunities emerging. I see potential in second-home purchases as the market shifts, as well as strong opportunities for sellers looking to downsize after years of limited inventory. For agents, top performers will focus on off-market opportunities, consistent lead generation through personal contact, and delivering superior customer service. Technology and AI will continue to expand exposure and efficiency, but relationships will remain the differentiator — helping clients understand that real value isn’t just an algorithm. If I had to sum up 2026 in one word, it would be opportunity. After navigating the challenges of recent years, I believe activity will increase, the market will feel more balanced, and committed agents will see their hard work start to multiply.

6 Home & Garden Tips

1. PLAN YOUR SPRING GARDEN
   Order seeds early to get the best selection for the upcoming season.

2. CHECK HOUSEPLANT LIGHT
   Short days mean less sunlight — move plants closer to windows or add grow lights.

3. WATER SPARINGLY
   Plants need less water in winter; let soil dry slightly between waterings.

4. PRUNE FRUIT TREES
   While dormant, prune to improve structure and boost future yields.

5. INSPECT STORED BULBS & TUBERS
   Toss any that are soft or moldy to protect the rest.

6. START COOL-SEASON SEEDS INDOORS
   Lettuce, spinach, and broccoli can be started now for early transplanting.

4 Home Maintenance Tips

1. INSPECT ROOF & ATTIC
   Check for leaks, ice dams, or insulation issues during cold weather.

2. DEEP CLEAN & ORGANIZE
   Use the slower month to declutter and reset your home.

3. CHECK SUMP PUMP
   Test to ensure it’s working before spring thaw or heavy rains.

4. SERVICE MAJOR APPLIANCES
   Clean coils on refrigerators and check washers/dryers to extend lifespan.