Will home affordability improve in 2026?

If you are asking this question, you are not alone. A lot of buyers feel stuck between rising everyday costs and home prices that still feel out of reach. The good news is that affordability is not a single lever. It is a mix of income, home prices, financing costs, and market leverage. In 2026, we are seeing signs that the balance can improve, especially for buyers who approach the process with a plan.