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In early 2026, US mortgage rates are far above the ultra‑low levels of the 2010s, but lower than the worst peaks seen in 2023–2024. For most buyers, the question is no longer “Will rates go back to 3%?”, but “How do I buy smart with rates around 6%?”.
With over a million licensed agents in the USA, the problem in 2026 is not finding an agent, but finding one who is competent, honest and a good fit for your situation. A great agent can protect your money and your nerves; a bad one can waste both.
High home prices, elevated mortgage rates and slowing rent growth completely changed the rent‑vs‑buy equation in the USA. In many cities, owning now costs far more per month than renting a similar place, but buying still builds long‑term equity if you stay long enough.
In 2026, US home prices are still high compared with the pre‑2020 world, but the market is split in two: some regions keep seeing price growth, others have flattened or even started to fall. Looking at regional averages instead of one national number is the only way to understand what you can really afford.