Follow the 28/36 rule —housing costs should not exceed 28% of your gross monthly income, and total debt should stay below 36%.
National home values are expected to rise modestly by about 1.2% to 4% .
Partner with a real estate agent to navigate local trends and an inspector to identify "red flags" like structural or electrical issues. If you'd like to narrow this down, tell me: Your primary goal (lowest price vs. most choices) Which region or city you're targeting when you want to buy a house
For-sale inventory is projected to increase by approximately 9% to 12% compared to last year, providing more breathing room for buyers.
Competition is highest, often leading to bidding wars and homes selling above list price. Sellers are typically less willing to negotiate. Summer (June – August): Best for Moving Logistics Follow the 28/36 rule —housing costs should not
Competition drops as families settle into the school year. October is historically a "sweet spot" with the largest selection of homes and lower prices than spring.
This season has the lowest inventory, offering the fewest choices. Harsh weather can hide potential roof or landscaping issues during inspections. 2026 Market Outlook If you'd like to narrow this down, tell
Secure a pre-approval letter from a lender like Consumers National Bank early to strengthen your offers.