The 2026 U.S. housing market is shifting to a cautious recovery with modest price gains, increased inventory, and more balanced buyer-seller conditions. Mortgage rates around 5-6% create a new normal, reducing speculative buying. Homeowners face choices: sell in a slower market, hold with low-rate mortgages, or renovate amid high construction costs. Regional trends and personal needs are key in deciding whether to sell, hold, or improve properties.
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