February 2026 is a Buyers Market - What First Time Homebuyers Need to Know - 444
How to Buy a Home: The #1 First Time Home Buyer Podcast
David Sidoni
4.8 • 891 Ratings
🗓️ 30 January 2026
⏱️ 52 minutes
🔗️ Recording | iTunes | RSS
🧾️ Download transcript
Summary
This episode explains why a rare January buyer’s market is creating real affordability opportunities for first-time homebuyers right now, without waiting on government “fixes.”
Synopsis
With sellers outnumbering buyers by 47%—including 631,000 more sellers than buyers in January 2026—the episode breaks down why leverage has quietly shifted back to homebuyers. It outlines practical ways buyers are getting affordability through negotiations, seller credits, and builder incentives—plus rate buy-downs and closing cost help.
It also explains why headline-driven policy talk doesn’t solve the real issue (inventory) and why affordability wins often come from local and market-based opportunities instead.
Finally, it spotlights emerging state and local ideas that could reduce monthly payments—like property tax caps/exemptions and stacked grants—while encouraging first-time buyers to get proactive before spring competition returns.
“Right now, there’s 631,000 more home sellers than there are home buyers in January 2026.”
Highlights
- How does a first-time homebuyer actually use a “47% more sellers than buyers” market to negotiate better terms and prices?
- What affordability tools are working right now—seller credits, rate buy-downs, and builder incentives—and how do buyers stack them?
- Which markets are being labeled more buyer-friendly, and what signals should first-time buyers look for in their own area?
- What local policy changes (like property tax relief and expanded grant programs) could reduce your monthly payment without needing rates or prices to crash?
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David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer.
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Transcript
Click on a timestamp to play from that location
| 0:00.0 | Hey, homebuyers, did you hear the big news? |
| 0:02.7 | Did you hear what the president said? |
| 0:04.7 | Did you hear what the government is going to do to bring back housing affordability? |
| 0:08.3 | If you've been waiting to hear about the fix that's going to make housing affordable again, |
| 0:12.4 | you are missing the real data that isn't making it to your phone notifications. |
| 0:17.5 | The government said a lot about what's going on, but here's what they're not talking about. |
| 0:21.4 | 47%. That's the number, 47%. That's how much the sellers outweigh and outnumber the buyers right now. |
| 0:31.9 | There's 631,000 more home sellers than there are home buyers in January 2026. But the only news that you've |
| 0:39.3 | heard about housing affordability is the president signed in executive order to stop Wall Street |
| 0:44.5 | investors from buying homes. But what's happening is 47% in more than half the country sellers are |
| 0:51.9 | outnumbering the buyers. It's the best buyer's market we've seen |
| 0:54.7 | since the 2008 crash. But the only headline that's getting attention and the only one that people |
| 0:59.9 | are paying attention to is the one that's playing directly on your emotions. But there's real data |
| 1:05.9 | today that's going to help you find affordability. So you're ready to hear how you can leverage this market so you can find your own personal affordability without waiting for a magic fix from the government. Let's make this happen for you. Let's do it. How to Buy a Home Educates, Protects, and connects first-time homebuyers to qualify bedded realtors in their area, whether you're looking for DIY information or step-by-step guidance. How to Buy a Home is the number one resource for first-time home buyers. What is happening, my How to Buy a Homies, if you're listening to this, the day it drops. I hope you've dug yourself out of the snow if you're in that part of the country. I'm David Sedoni, the founder of How to buy a home and the host of this here podcast. And this one's going to be jam packed today. This episode has |
| 1:49.8 | big news and it is really freaking exciting. And I'm not talking about the executive order that's |
| 1:55.1 | keeping the Wall Street demons out of the home buying game. I'm talking about the winter window |
| 2:00.4 | of opportunity that's happening |
| 2:01.8 | right now for first-time homebuyers. Gang, it is finally a buyer's market, and it's happening |
| 2:07.6 | right now. Now, if you knew the podcast, some of today's content might be a little bit overwhelming. |
| 2:11.9 | I'm going to get into all the data and the solutions and the stories that are happening |
| 2:16.6 | right now and making it the most |
| 2:18.7 | affordable time to buy a home in years. And then I'm going to go through a thorough |
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