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Will home prices drop in 2027? Will mortgage rates come down? Is a crash coming? I am a full time real estate agent and I am going to give you the honest answers, including some advice you will not hear from any other realtor.

We start by grading our 2026 predictions. We called max 2% price compression, mortgage rates not hitting 4%, and investors buying around 30% of homes. We are sitting at about 5.9 out of 6 on those. Then we get into where we actually are right now. 96% of mayors surveyed say their residents are very or extremely concerned about affordability. The qualifying income for a median home just hit $108,288. Housing inventory is at 1.14 million, but nearly half of that is new construction, not panic selling, which is why I still do not believe a crash is coming.

I also react to a viral realtor clip telling people to buy now and refinance later, and explain exactly why marry the home and date the rate is some of the worst advice given during Covid and why people who bought between 2022 and 2025 are feeling the most pressure right now.

Then I give you three tips. The best location to buy, the best mortgage program to use, and the best type of home to buy for the money. And I close with the thing no realtor will say out loud. Right now the median three bedroom rent in America is about $2,000 a month, while the interest alone on a median priced home is $2,271. Not the payment. The interest. If you can live with family or bunk with friends while you save, do it, and do not let anyone make you feel silly about it.

Plus my three predictions for 2027. Energy and bonds being the story of the year, the resilient consumer finally breaking, and where rents and rates actually head next.

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