Early Signs: Homeownership Becoming More Accessible

US housing affordability shows early improvement as mortgage costs ease and incomes rise modestly.
As of early 2026, 20 of 50 largest metros may reach affordability thresholds, the most since 2022.
Mortgage payments now consume a smaller share of household income, boosting buyer negotiation power.
High-cost coastal cities remain above affordability; prices still outpace wage growth for many buyers.
Sellers face more payment-sensitive buyers, with cash sales and flexible options improving market transitions.