Real estate market forecasts for 2026: Will interest rates and prices fall?

Real Estate Market Forecast 2026: Will Interest Rates and Prices Fall?

At the start of the year, a question repeatedly comes up among potential buyers and sellers: “Should I wait a little longer?”

Between interest rates, price trends, and the new economic conditions, many hesitate to act for fear of making a bad choice. Yet, 2026 looks less like a year of disruption and more like a year of strategic adjustment.

Interest rates in 2026: what to realistically expect?

After several years of successive increases, interest rates are tending to stabilize.

That does not mean a return to the historically low rates of the past, but rather a new normal with which it is possible to navigate smartly.

Stability rather than a dramatic drop

Experts agree: a major and rapid decline in rates is unlikely in the short term.

However, a period of stability allows buyers to better plan their budget, secure a rate, and avoid surprises.

Will property prices really fall in 2026?

Contrary to some perceptions, the real estate market is not uniform.

A local market above all

Prices may stabilize, or even slightly decline in certain areas, while others remain in high demand.

Location, property condition, and type of housing play a decisive role.

Well-prepared properties remain highly sought after

Well-maintained homes, accurately priced and ready to move in continue to attract serious buyers, even in a more cautious economic context.

Should you wait for the “right moment” to buy or sell?

Waiting for a perfect drop in rates or prices often means postponing a project indefinitely.

The real lever: preparation

In 2026, the key isn’t to predict the market, but to adapt to it:

• Mortgage pre-approval from the start
• Realistic budget taking into account real costs
• Local micro-market analysis

These elements make the difference, much more than a few percentage points.

Turning uncertainty into opportunity

The 2026 real estate market rewards informed, prepared, and well-supported buyers and sellers.

Rather than waiting for ideal conditions, it is often wiser to build a strategy tailored to your personal situation.

👉 To go further, see the Complete Real Estate Guide 2026 – Action Plan to successfully complete your transaction, which details every step to buy or sell with confidence this year.

https://parcours-immo.ca/ref/FC2025