Housing Predictions for 2026 (What No One’s Prepared For)
Ken McElroy Show
Ken McElroy
4.7 • 712 Ratings
🗓️ 16 December 2025
⏱️ 33 minutes
🧾️ Download transcript
Summary
Ken and Danille McElroy break down Ken's real estate predictions for 2026 using real data, market trends, and insights from inside his own portfolio. From interest rates and affordability to inventory, insurance, rent growth, and migration patterns, this episode explains what’s changing and how to prepare without panic.
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Checkout KenPro - Ken's Education Platform: https://ken-mcelroy.learnworlds.com
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ABOUT KEN: Ken is the author of the bestselling books The ABC’s of Real Estate Investing, The Advanced Guide to Real Estate Investing, and The ABC’s of Property Management. With over two decades of experience in real estate investing, Ken McElroy is passionate about sharing the good life by helping real estate investors grow and prosper. This podcast is a place for Ken to discuss numerous topics connected to real estate investing, including finance, budgeting, the entrepreneur mindset, and creating passive income. Ken offers a wealth of personal experiences, practical advice, success stories, and even some informative setbacks, all presented here to educate and inspire. Whether you’re a new or seasoned investor, the information and resources on this channel will set you on a path where you and your investments can thrive.
Ken's company: https://mccompanies.com
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Transcript
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| 0:00.0 | Everyone is wondering what to expect in the real estate market in 2026. |
| 0:05.0 | So Ken and I are going to break down our predictions for the real estate market next year. |
| 0:10.0 | Yeah, we got a lot to talk about today. |
| 0:13.0 | There's all kinds of varying opinions. |
| 0:15.0 | I have to laugh at some of the predictions, 14% home price increases, you know, through some of these. |
| 0:21.4 | On-fellow. |
| 0:22.1 | Yeah. |
| 0:22.3 | So-called, you know, biased places. |
| 0:27.1 | But let's jump right into interest rates because I think a lot of people, obviously, I think |
| 0:32.4 | we had a win in 2025 with some rate cuts, albeit not what not where everybody wants i want to i want to point out |
| 0:39.6 | that i had to look this up in december 2020 rates were 2.67 percent crazy that was uh five years |
| 0:48.1 | ago right so so you know i i do think that we're going to see them go down a little bit in, you know, to the low sixes. But this is not something to hang your hat on, guys. I know a lot of people want it to be the way that it was. I just don't think it's going to be. I think you get a few here and there. One of the big contributing factors, of course, is going to be unemployment. Yep. Yep. Well, let's just start with interest rates, right? So everyone thinks that interest |
| 1:14.1 | rates are going to go way down in 2026. I keep hearing that. And you think that they are going |
| 1:20.5 | to maybe come down slightly, but stay very similar to what they are now. Yep. So I just said, you bet. |
| 1:25.7 | Yeah. So for those, but it's still, I think, going to |
| 1:30.0 | affect the buyer sentiment just because rates are coming down. Sure. It'll unlock some things. |
| 1:35.5 | You know, listen, right? Minor rate cuts are good, right? Every single time we see good things happen, |
| 1:43.6 | right? Things loosen up a little bit, which is, which is good. Not everyone is sitting on 4% and under interest rates. Now, what is interesting, as you know, is we still have an affordability problem, which is the next thing. Yeah. So housing affordability will hit a breaking point in 2026. |
| 2:04.0 | I don't know, though, if it's an actual breaking point. |
| 2:07.3 | But it's, I'm telling you, you know, I've been talking about this for a while. |
| 2:13.0 | I just don't see how a home ownership is going to go up. |
| 2:18.6 | I think homeownership is going to continue to go down. |
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