The post-2020 housing market is finally settling into a new normal. Inventory has crawled back, price growth has cooled to a sustainable pace, and homeowner equity sits near record highs. Each group — buyers, sellers, and existing owners — has a clear play this year.
For buyers
Selection is the best it's been in five years. You can negotiate again. Sellers are offering rate buydowns and closing-cost credits. Don't expect to lowball, but expect to win.
For sellers
Price right the first week or sit. Homes that price 2–3% above comps in this market sit 60+ days and chase the market down. Use our home value tool to anchor your list price in data, not hope.
For owners staying put
Equity is your lever. The average homeowner has gained $130k since 2020. A HELOC or cash-out refi can fund a renovation, consolidate high-rate debt, or seed an investment property — without giving up your low primary rate.
Use our free calculators to apply this to your situation in seconds.
Frequently asked questions
Are home prices going to crash?
A nationwide crash like 2008 is unlikely — lending standards are far tighter and inventory is still below long-term averages. Local corrections of 5–10% are possible in over-built metros.
Is now a good time to sell?
If you're moving to a smaller market or trading up with equity, yes. If you'd take on a much higher rate to move to a similar home, the math is harder — run a rate vs equity scenario with us first.