American Mortgage Solutions
2026 Housing Market Outlook
2026 Housing Market Outlook: Reasons for Optimism in Florida & Kentucky
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Brady Webb
If you’re in Florida or Kentucky, you’ve probably felt the market slow down, speed up, and shift more than once over the last few years. That uncertainty has left a lot of buyers and homeowners asking the same thing:
What does the next year actually look like?
Looking ahead to 2026, there are some encouraging signs that point toward a healthier, more balanced housing market—especially for people who have been waiting for clarity.
What’s Driving Optimism for 2026
More Market Activity
After a quieter stretch, forecasts suggest more buyers and sellers are expected to re-enter the market in 2026. In Florida, that means renewed movement without the chaos of past bidding wars. In Kentucky, it points to steady demand returning as affordability improves.
Mortgage Rates May Continue to Ease
Rates have already come down from their highs, and most projections show gradual improvement into 2026. Even small declines can make a meaningful difference in monthly payments—something buyers in both Florida and Kentucky are paying close attention to.
More Predictable Home Price Growth
Instead of sharp spikes, price growth is expected to be more moderate. That’s a positive shift. It gives buyers room to plan and helps homeowners build equity without the volatility we’ve seen in recent years.
A More Balanced Markets
Inventory has been slowly improving, which could lead to a healthier balance between supply and demand. That’s good news for buyers who want options and sellers who want stable, realistic pricing.
What This Means for You
2026 isn’t shaping up to be a boom—or a bust. It looks more like a reset toward normal. That can mean:
Whether you’re thinking about buying, selling, refinancing, or just staying informed, understanding these trends now puts you in a stronger position.
Bottom Line
There’s good reason to feel cautiously optimistic about the 2026 housing market—especially across Florida and Kentucky. The key isn’t timing headlines; it’s knowing how these broader trends apply to your specific situation.
If you want to talk through what this outlook could mean for you locally, I'm always happy to break it down and look at real numbers. Contact Us (239) 766-8344 or (502) 327-9770.
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Copyright © 2025 American Mortgage Solutions NMLS: 1364/MB73346
Licensed in: FL, KY, IN
FL-MBR1574, KY-MB73346
Copyright © 2025 American Mortgage Solutions NMLS: 1364/MB73346
Licensed in: FL, KY, IN
FL-MBR1574, KY-MB73346
American Mortgage Solutions follows all Equal Housing laws. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. Disclaimer: Programs subject to change without notice. All borrowers must qualify per program guidelines.
These materials are not from HUD, FHA, the USDA, or the VA. These materials were not approved by any government agency. They are independent of any government agency. We are not in any way affiliated with any organization listed or referenced within this website, including HUD/FHA/USDA/VA. The inclusion of various education, information, web links, or materials are not an endorsement of the Sender or any of its employees or business partners. For information directly from HUD/FHA, visit https://www.hud.gov/guidance For information directly from the VA, visit http://www.benefits.va.gov/HOMELOANS/ For information directly from the USDA, visit http://www.usda.gov/wps/portal/usda/usdahome?navid=GRANTS_LOANS