Forecasting the Future: Housing Market Insights for 2025 to 2028


As we look to the horizon of the U.S. housing market, Fannie Mae’s Home Price Expectations Survey offers a crucial glimpse into the coming years. Compiled from the insights of over 100 housing experts, this survey predicts notable changes in home prices from 2025 to 2028. The analysis, originally detailed by Norada Real Estate Investments, suggests a shift in market dynamics that could impact homeowners and investors alike.

U. S. Home price expectations for 2024-2028

Slowing Growth in Home Prices


The survey anticipates a slower pace of home price growth in the coming years compared to the robust 6% increase seen in 2023. For 2024, experts forecast a 4.7% growth, with a further decline to 3.1% in 2025. This trend reflects a potential cooling of the market, influenced by policy changes and ongoing supply constraints.

Diverging Predictions and Market Uncertainty


The panel’s projections reveal a wide range of outcomes, from optimistic to pessimistic scenarios. By the end of 2028, the most optimistic forecasts suggest a 31.6% cumulative gain in home prices, while the most pessimistic predict only a 7.5% increase. This divergence highlights the uncertainty and complexity of the market’s future.

Yearly breakdown of projected home price changes (2023-2028)

Historical Context and Future Implications


Examining historical data from key periods such as the “Pre-Bubble”, “Bubble”, “Bust”, and “Covid Reshuffling” phases, the survey provides a comprehensive view of market fluctuations. These insights are invaluable for buyers, sellers, and investors, each facing unique challenges and opportunities in light of the projected trends.

  • For Buyers: Expect a more moderate pace of price appreciation and continued affordability challenges due to the housing shortage.
  • For Sellers: Anticipate slower home price appreciation and a potentially more balanced market.
  • For Investors: Returns might moderate, but rental demand is likely to remain strong.


The Role of Policy and Supply Constraints


The persistent shortage of housing remains a major issue, with an estimated deficit of approximately 2.8 million homes. Potential policy reforms, such as zoning and permitting changes, could positively impact housing supply, but there is skepticism about their widespread adoption and effectiveness.

U. S. Home prices: from pre-bubble boom to covid reshuffling

The Path Ahead


While home prices are expected to continue their upward trend, albeit at a reduced pace, the future of the housing market remains intricately linked to external factors such as policy reform and economic conditions. For a deeper understanding, readers are encouraged to explore the original article and related reports provided by Norada Real Estate Investments.

More Articles

Getting licensed or staying ahead in your career can be a journey—but it doesn’t have to be overwhelming. Grab your favorite coffee or tea, take a moment to relax, and browse through our articles. Whether you’re just starting out or renewing your expertise, we’ve got tips, insights, and advice to keep you moving forward. Here’s to your success—one sip and one step at a time!

Housing Market Momentum Builds Early in 2026

The 2026 housing market is off to a powerful start, with rising buyer activity, expanding inventory, and steady pricing creating one of the most balanced environments in years. Pending home sales and mortgage applications are climbing, inventory has reached 2.6 months of supply, and new listings continue to grow—all signaling renewed confidence and fresh opportunity for real estate professionals nationwide.

Investors Prepare for a High-Confidence 2026 as Commercial Real Estate Stabilizes

A wave of optimism is returning to U.S. commercial real estate heading into 2026, with 95% of investors planning to buy the same or more property than last year. Capital allocations are rising, Sun Belt cities continue to shine, and multifamily remains the top asset class. As pricing stabilizes and debt pressures ease, professionals across real estate and finance are entering a year defined by strategic growth and renewed opportunity.

Florida Homeowners Face Rising Insurance Costs Despite Promised Relief

Floridians were told insurance relief was on the way, but many homeowners are seeing the opposite as premiums continue to rise. Despite state leaders insisting the market is improving and insurers filing rate decreases, homeowners like Lisa Riggi say the real‑world impact tells a different story. Higher property valuations, inflation, and updated replacement‑cost calculations are driving premiums upward, leaving some families questioning whether they can afford to remain in Florida.

Where Did Our Parents’ Florida Go? How Paradise Became Pricier, Glossier, and Almost Unrecognizable

Florida once promised retirees sunshine, low costs, and a $20,000 condo by the pool. But in 2026, soaring insurance rates, rising taxes, shrinking affordable housing, and an influx of wealthier newcomers have transformed the state into a far more expensive version of the paradise our parents knew. From corporate buyouts of mobile home parks to multimillion‑dollar estates redefining the market, today’s Florida is a place of widening gaps, disappearing middle‑range homes, and a future that demands deeper pockets—and smarter market insight.

Mortgage Rates Hold Steady in the Low 6% Range as Buyers Gain Breathing Room

Mortgage rates continue easing into the low 6% range, giving buyers and real estate professionals a welcome boost in early February 2026. Softer labor market data and slipping Treasury yields are helping keep rates stable, with 30‑year fixed loans averaging around 6.26% and refinance rates also trending lower. While affordability remains tight, today’s calmer rate environment is opening doors for more buyers—and offers agents a clearer outlook as they guide clients through a still‑shifting market.

Commercial Real Estate Investors Gear Up for a Major Buying Surge in 2026

A new CBRE survey reveals that U.S. commercial real estate investors are preparing to ramp up acquisitions in 2026, signaling renewed confidence across the sector. Dallas leads the nation for the fifth straight year as the top investment market, followed by Atlanta and San Francisco. Florida markets like Miami and Tampa continue to rise, while cities such as Charlotte, Nashville, Seattle, and New York also attract strong investor attention. With activity heating up nationwide, 2026 is shaping into a powerful year for commercial real estate professionals.