What if 2026 is the year the housing market finally starts working for buyers instead of against them?

What if wages actually start growing faster than home prices for the first time since 2008?

What if you've been waiting on the sidelines for years, and this is the year the opportunity finally arrives?

For the past five years, families trying to buy homes have felt defeated. Either you missed the pandemic-era 3% mortgage rates, or you can't save for a down payment because everything's so expensive, or you just can't stomach paying $400,000 for a 1,500 square foot house that would've cost $250,000 five years ago 🫠

But something's shifting. The data suggests 2026 might be different. Not a housing crash. Not a return to 2019 prices. But a genuine improvement in affordability that could make homeownership accessible again for families who've been priced out.

In today's edition:

✅ Why home prices exploded (and why they're staying high)
✅ What's changing in 2026 that could help buyers
✅ The "silver tsunami" nobody's talking about
✅ How to prepare if you want to buy this year

Bon appétit! 🧑‍🍳

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Let's start with how we got here, because understanding the problem is the first step to recognizing when it's actually improving.

Home prices have skyrocketed over the past 5 years because of a perfect storm kicked off by the pandemic:

The results have been insane: median home prices soared from $317,000 in 2020 to $410,800 in 2025. 

And home prices are staying high because none of the people who bought in 2020 with a 3% mortgage want to lose that rate; they’re staying “locked in,” and so less and less houses have been put on the market. Which gives would-be home buyers less options, and drives up the price of the options they do have. Supply and demand and all that.

But here’s what’s happening in 2026 that could change those things.

So, are home prices projected to drop a ton in 2026? Will we go back to 2020 prices where $300K gets you an 1,800+ square foot house?

No, probably not. But you know what might change?

A few things, including your income. In a good way.

Redfin predicts that the following will happen in 2026:

Are these things enough to drastically reduce house prices in one year? Probably not, but if these conditions occur and then continue for a few years, we could be looking at much more affordable housing.

And we’re especially going to be keeping an eye on that housing legislation. Hopefully it’s something more than 50-year mortgages… yikes.

We don’t have a thought on this, and we aren’t too hopeful for something groundbreaking, but who knows. Will be worth seeing what happens.

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Whether you’re hoping to buy this year or just want start preparing for it, here are some top tips and resources for how you can save up a down payment, prepare to move, and minimize clutter:

2026 could be the beginning of a promising trend for families looking to buy a home. If you’ve been hoping for just a slight increase in affordability, it might be your year. And if (like most of us) you’re hoping for a bigger drop, 2026 might still be the start of something beautiful.

Cheers to getting 1% better each week! 🥂

We’d love to hear about your process, and your story could help someone else figure out what they want to do!
Just hit reply and share.

Thanks for reading,
—Your friends @ Future Funders 🍽️

P.S. Forward this to a friend who’s ready to start building equity in a home 🏘