06/25/2026
"I'm waiting for rates to drop back to 4%." We hear it all the time. But the mid-2026 data shows that Greater Boston buyers have officially hit an inflection point. 📊
Despite mortgage rates hovering between 6.19% and 6.75%, housing demand in Massachusetts has remained incredibly resilient. Why? Because the "lock-in effect" is slowly thawing. Buyers and sellers are accepting that rates in the 6s are the new normal, and pent-up demand is completely outweighing borrowing costs.
The Reality Check:
📉 Statewide Inventory: Active listings are still down about 4.3% year-over-year. The supply cliff is real, meaning well-priced homes still see multiple offers.
🎯 The "21-Day" Buyer Window: While turnkey homes go pending in under 15 days, homes priced just 10% above comps are sitting for 40 to 60 days. This is creating a "buyer's market" hiding inside a seller's headline.
If you've been sitting on the sidelines waiting for a total market crash, the numbers roll their eyes at that narrative. Boston's strong job market and low supply are keeping prices stable, with a modest 2-4% appreciation projected by the end of the year.
Success in this market isn't about timing the interest rates—it's about timing your strategy. Let's talk about your next move. 💼
