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Mortgage MinutePublished January 26, 2026
Why Winter Buyers Have an Edge in Today’s Housing Market
Winter doesn’t always get the spotlight in real estate - but this year, it deserves a closer look. While spring and summer tend to grab headlines, the current winter market is creating a window of opportunity that many buyers overlook.
Here’s what’s happening - and why timing matters.
Home Sales Are Unusually Low
Existing home sales are hovering near multi-decade lows. Historically, this level of activity often comes before a pickup in the market rather than a downturn.
Fewer closed sales right now doesn’t mean lack of opportunity - it means fewer buyers actively competing. For buyers who are prepared, that quieter pace can translate into more leverage and less pressure.
Inventory Is Higher Than We Typically See This Time of Year
Housing inventory is at its highest level in years, especially notable for winter. That gives buyers something they rarely have heading into spring:
- More homes to choose from
- More time to evaluate options
- More room to negotiate on price, terms, or repairs
Instead of racing against multiple offers, winter buyers often get space to make thoughtful decisions.
Buyer Demand Is Already Rebuilding
While competition feels lighter, demand is quietly returning. Purchase activity is up about 18% year over year, signaling that buyers are beginning to re-enter the market as mortgage rates hold near the mid-6% range.
That matters because demand tends to rise before prices and competition do.
The Takeaway
Winter buyers often benefit from timing:
- Fewer competitors today
- Better selection than usual
- Negotiating power that often fades once spring activity ramps up
This leverage doesn’t last forever. As demand continues to build and more buyers jump back in later this year, competition typically returns with it.
If you’re considering a move, winter may be the moment where the balance quietly tips in your favor.
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