3 Things You Can Actually Control About Your Mortgage Rate Right NowIf you're trying to buy a home, affordability is probably what keeps you up at night. And as you watch mortgage rates tick up
When is the best time to buy a home?
Dated: September 16 2026
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The Best Time To Buy a Home in 2026 Is Almost Here
Want to buy a house this year, but not sure if the timing’s right? Seasonally, it may actually be a better time to buy than you expect.
Yes, mortgage rates have been ticking up lately – and that’s creating some real challenges with affordability. No one’s arguing that. But there are also predictable trends that happen this time every year that can put some wind back in your sails.
According to research coming out of Realtor.com, nationally, the week of September 27 – October 3 will be the best time to buy this year for this very reason:
“The week of September 27–October 3 brings together the market conditions buyers value most—elevated inventory, less competition and prices that have eased from their seasonal high—giving prepared buyers a way to offset high rates with savings on price and room to negotiate with confidence."
But that’s the national best week. Depending on where you live, your local sweet spot may come a little earlier or later (see map below):
It all depends on local trends and how inventory and buyer demand ebbs and flows seasonally where you want to live. But no matter when your market hits its peak, here are some of the perks you can expect this time of year.
More Choices, Better Prices, and Less Competition
For starters, there are more homes to choose from. In fact, data from the National Association of Realtors (NAR) shows the number of homes for sale recently reached its highest level in more than 10 years:
“NAR’s data does show a strong uptick in for-sale inventory at the end of the summer, reaching the highest level in more than 10 years.”
That means you may have a better shot at finding something you love and can afford without making as many compromises. And that’s not the only advantage.
Realtor.com says buyers during this window could see home prices about $14,000 lower than the summer peak, along with 30% less competition from other buyers. Plus, homes tend to stay on the market almost 2 weeks longer (13 days), giving you a little more breathing room to make a decision.
More choices.
Better pricing.
Less competition.
That combination could be enough to ease some of the pressure higher mortgage rates are putting on your budget.
The Window Doesn’t Close After This One Week
But you certainly don’t have to buy during that very specific window. This isn’t a one-week-only opportunity. History tells us conditions should be tipped in your favor for the entire month of October:
In fact, Realtor.com says 42 of the 50 largest metros see their best week to buy fall sometime during October. So, don’t feel like you have to rush to hit one specific date. Use the time now to get things lined up, then jump in when the timing is right for you. As Guaranteed Rate explains:
“The best time to buy a home depends on your needs. Certain seasons can give you an advantage when starting your homebuying journey.”
Bottom Line
If you want to buy a house this year, there’s still a way to make it happen, even with today’s rates. This fall gives you the chance to get some of the best seasonal perks the market has to offer.
Want help figuring out when those advantages typically show up in our market?
Let's have a quick conversation about how our market works and the steps you’ll need to take to get ready.
Lisa Angelicola
Lisa Angelicola: Your Trusted New Jersey Real Estate Expert With over 24 years of experience as a Broker and Sales Associate at Next Home Force Premier, Lisa Angelicola is a cornerstone of the New J....
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