02/06/2026
☀️ The Stage Is Set for a Stronger Spring Housing Market ☀️
There’s some good news heading into spring, according to Homes.com Chief Economist Brad Case.
🔹 Buyer confidence is rising, especially among adults ages 25–44, the prime homebuying group.
🔹 Lenders are easing standards for traditional (conforming) mortgages and expect stronger loan demand in 2026, making it easier for many buyers to qualify.
🔹 Together, improved confidence and more flexible lending point to a more active and accessible spring market than we’ve seen in recent years.
📈 Americans are feeling better about their personal finances overall. The Personal Financial Outlook Index jumped from 50.6 in November to 56.9 in January (anything above 50 signals optimism). Interestingly, this confidence exists even while people remain skeptical about federal economic policy.
👥 The optimism is strongest among 25–44 year olds, whose confidence score hit 62.2, suggesting many feel ready to handle the costs of homeownership. Meanwhile, adults 65+ were slightly pessimistic, which may signal more downsizing or selling in that group.
🌎 Regionally, confidence is high across the country:
South: 59.6
Northeast: 56.7
West: 55.6
Midwest: 53.7 (still solid, despite recent price increases)
Bottom line: Buyers are feeling more financially secure, lenders are more open to lending, and spring could bring more movement — and more opportunity — to the housing market.
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