Is 2026 a good year to buy a home in Central Florida?

Every buyer wants to time the market perfectly—buy low, sell high, brag forever. But in real estate, timing the trends matters more than timing the bottom.

Here’s what’s happening heading into 2026:

• Mortgage rates: After peaking in 2024, rates in late 2025 have dipped slightly, averaging near 6.3%, with forecasts suggesting mild drops toward 6% in early 2026 if inflation keeps easing.

• Inventory: Builders have caught up. Areas like Horizon West and the north Clermont corridor are seeing more active listings than at any point since 2021.

• Prices: Appreciation is steady, roughly 2–4% annually, not explosive. That’s healthy growth—not bubble territory.

Why 2026 may be the sweet spot:

• If rates ease even modestly, your buying power increases significantly.

• Fewer bidding wars mean you can negotiate again (what a concept).

• More new construction means better options and incentives.

The takeaway:
Stop waiting for the mythical “perfect time.” Smart buyers make their move when rates, inventory, and personal readiness align—and 2026 looks aligned.

Want to know if 2026 fits your buying goals in West Orlando or Clermont? Let’s map out a timeline and lock in your best opportunity window.