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30-YR FIXED
6.87%
Freddie Mac PMMS
MEDIAN PRICE
$412K
National avg
INVENTORY
+8.4%
YoY change
DAYS ON MKT
52
National median
Today's Intelligence
Thursday, July 23, 2026
2026 Housing Market Outlook: Inventory Rises, Rates Stay Stubborn
Market Analysis

2026 Housing Market Outlook: Inventory Rises, Rates Stay Stubborn

After years of near-zero inventory, listings are finally rising across major metros. But with mortgage rates holding above 6.5%, the relief may be slower than buyers hope.

IHB Research·7 min read·Mar 9
Latest Intelligence
Rate Buydowns Explained: Is Paying Points Worth It in 2026?
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Market Analysis

Rate Buydowns Explained: Is Paying Points Worth It in 2026?

6 min read
ARM vs. Fixed Rate in 2026: Which Is Right for You?
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Market Analysis

ARM vs. Fixed Rate in 2026: Which Is Right for You?

5 min read
First-Time Homebuyer Programs in 2026: Grants, DPA, and Low-Down Loans
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Buyer Guide

First-Time Homebuyer Programs in 2026: Grants, DPA, and Low-Down Loans

9 min read
Mortgage Pre-Approval: What It Is, What It Isn't, and How to Get One
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Buyer Guide

Mortgage Pre-Approval: What It Is, What It Isn't, and How to Get One

7 min read
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2026 Housing Market Outlook: Inventory Rises, Rates Stay Stubborn
Market

2026 Housing Market Outlook: Inventory Rises, Rates Stay Stubborn

After years of near-zero inventory, listings are finally rising across major metros. But with mortgage rates holding above 6.5%, the relief may be slower than buyers hope.

7 min read · IHB Research
Rate Buydowns Explained: Is Paying Points Worth It in 2026?
Market

Rate Buydowns Explained: Is Paying Points Worth It in 2026?

Paying discount points to lower your mortgage rate sounds smart — but the math only works if you stay in the home long enough. Here's how to calculate your break-even.

6 min read · IHB Research
ARM vs. Fixed Rate in 2026: Which Is Right for You?
Market

ARM vs. Fixed Rate in 2026: Which Is Right for You?

With 30-year rates above 6.5%, adjustable-rate mortgages are gaining attention. A 5/1 ARM at 5.9% sounds appealing — until you understand the resets.

5 min read · IHB Research
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166M+ Parcels·20+ Endpoints·16 Data Layers·50 States·Coordinate-to-Parcel·Parcel Geometry·Market Intelligence·Rent Estimates·MCP Access·Source-Aware Enrichment·166M+ Parcels·20+ Endpoints·16 Data Layers·50 States·Coordinate-to-Parcel·Parcel Geometry·Market Intelligence·Rent Estimates·MCP Access·Source-Aware Enrichment·
Seller Intelligence

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How to Evaluate a Cash Offer on Your Home: What Sellers Need to Know
Sellers

How to Evaluate a Cash Offer on Your Home: What Sellers Need to Know

Cash offers are seductive but not always the best deal. Here's how to compare a below-market cash offer against a financed offer at a higher price.

6 min read · IHB Editorial
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When to Sell Your Home: Market Timing, Seasonal Patterns, and the Truth
Sellers

When to Sell Your Home: Market Timing, Seasonal Patterns, and the Truth

Everyone asks whether now is a good time to sell. The real answer is more nuanced — and depends almost entirely on where you live, not national headlines.

6 min read · IHB Editorial
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Seller Closing Costs: How Much Does It Actually Cost to Sell Your Home?
Sellers

Seller Closing Costs: How Much Does It Actually Cost to Sell Your Home?

Agent commissions get the headlines, but sellers face 8–10 costs at closing. Know them all before you sign the listing agreement.

7 min read · IHB Editorial
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Buyer Intelligence

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First-Time Homebuyer Programs in 2026: Grants, DPA, and Low-Down Loans
Buyers

First-Time Homebuyer Programs in 2026: Grants, DPA, and Low-Down Loans

Dozens of state and local programs exist to help first-time buyers cover down payments and closing costs. Most people don't know they qualify. Here's what's available.

9 min read · IHB Editorial
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Mortgage Pre-Approval: What It Is, What It Isn't, and How to Get One
Buyers

Mortgage Pre-Approval: What It Is, What It Isn't, and How to Get One

Pre-qualification is not pre-approval. Pre-approval is not a loan commitment. Understanding the difference can save you from losing a home you love.

7 min read · IHB Editorial
→
Closing Costs for Buyers: The Complete Breakdown by State
Buyers

Closing Costs for Buyers: The Complete Breakdown by State

Buyers often budget for the down payment and forget about closing costs — typically 2–5% of the loan amount. Here's every line item and how to minimize them.

8 min read · IHB Editorial
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166M+ parcels.
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