The housing market is always shifting, and if you’re thinking about making a move—or just curious about where things stand—it’s important to understand the latest trends. Right now, a few key factors are shaping today’s real estate landscape, and they could have a big impact on your decisions whether you’re buying, selling, or renting.

1. Builders Are Offering More Incentives

If you’ve been keeping an eye on new construction, you may have noticed something: builders are stepping up their game. Incentives are at their highest point in five years, meaning things like price reductions, help with closing costs, and even mortgage rate buydowns are on the table. For buyers who’ve struggled with affordability, this could open the door to more opportunities in the new home market.

2. Mortgage Delinquencies Remain Low

There’s been some chatter about rising foreclosure activity, but the bigger picture is more reassuring. While delinquencies have ticked up slightly, they remain near historic lows—and far from the crisis levels of the past. Stronger lending practices and the equity homeowners have built up are helping to keep today’s market on solid ground.

3. Homeowners Have a Lot of Equity

Speaking of equity, most homeowners are sitting on a financial cushion. In fact, over two-thirds either own their home outright or have at least 50% equity. That’s a powerful position to be in, whether you’re considering selling, using your equity to move up, or even tapping into it for other financial goals.

4. Renting Out Your Home Isn’t Always the Best Move

If you’re on the fence about selling and thinking of renting instead, it’s important to weigh the pros and cons carefully. Renting might sound like a good idea for passive income, but it also comes with responsibilities—like property management, tenant issues, and financial risks. Depending on your situation, selling could provide more freedom and help you make the most of today’s market conditions.

Bottom Line

Whether you’re looking to buy, sell, or explore renting, today’s market offers unique opportunities—but also important decisions. With builder incentives at record highs, equity levels strong, and mortgage health steady, now is a great time to connect with a trusted real estate professional. The right guidance can help you take advantage of these trends and choose the path that’s best for you.