Housing Market 2026: What Can You Expect as a Buyer or Seller?

Are you dreaming of taking the next step in the housing market but wondering if 2026 is indeed the right moment? You are not alone. After years of rapid price increases and significant competition, the housing market feels exciting yet uncertain for many. The good news is that 2026 is anticipated to be a year characterized by greater calm and predictability. No extreme fluctuations, but rather a market where opportunities arise for those who are well-prepared.

According to KIJCK. real estate agents, this is precisely the type of market in which thoughtful decisions make all the difference.

The Overall Outlook: A More Stable Housing Market in 2026

The expectations from major financial institutions such as Rabobank, ING, and De Nederlandsche Bank are clear:
the housing market remains positive but less frenzied.

House prices continue to rise, but at a more measured pace
The supply of homes is slightly increasing, particularly in certain segments
Buyers are gaining a bit more room for negotiation
Sellers are still benefitting from a robust market

This leads to greater balance between supply and demand—something the market has long been yearning for.

House Prices in 2026: No Peaks, No Valleys

After substantial price increases in recent years, economists expect that house prices in 2026 will rise on average by approximately 3 to 5 percent. This is no longer explosive growth, but it is sufficient to keep real estate appealing.

What does this specifically mean for you?

📈 As a seller: your property will remain in demand, especially if it is well-presented and realistically priced
🏡 As a buyer: fewer extreme bids and a bit more time to weigh your options

According to KIJCK. real estate agents, this feels like a market where quality, preparation, and timing become more important than merely speed.

More Supply, but Still Scarcity

In 2026, there will temporarily be additional inventory on the market, partly due to investors selling properties that they previously rented out. This is especially evident in urban areas and within the apartment sector.

However, it is crucial to remain realistic:
👉 the structural housing shortage is not resolved.

Particularly family homes and well-maintained houses in desirable locations remain scarce. This means that well-prepared buyers still hold an advantage.

Tip from KIJCK:
Ensure that your financial situation is clear before you start searching seriously. This significantly enhances your negotiating power.

Affordability: A Bit More Breathing Room, But No Bargains

Affordability will also remain a point of focus in 2026, especially for newcomers. Although incomes are rising, house prices are still high. The slight flattening of price increases does provide some additional breathing space.

Less overbidding compared to peak years
Better chances for negotiation
More room to consider conditions

According to KIJCK. real estate agents, guidance in this aspect is crucial: knowing what you can borrow, what is wise, and where your opportunities lie.

Mortgage Rates in 2026: Stability is the Key Word

No significant decline or rise in mortgage rates is anticipated for 2026. The rates are expected to remain relatively stable, which will provide clarity regarding monthly payments.

This makes it a good time to:

compare different fixed-rate periods
look ahead to your long-term housing costs
strategically decide when to buy or sell

What Does 2026 Mean for You Personally?

According to KIJCK. real estate agents, 2026 is primarily a year of thoughtful steps:

🔑 Newcomers: more opportunities if well-prepared
👨‍👩‍👧 Young Families: focus on timing and realistic budgets
🔄 Transitioning Buyers: strong selling position combined with better buying options

The key? Insight, guidance, and a clear plan.

Conclusion: Opportunities for the Forward-Looking

The housing market in 2026 will not be a wild rollercoaster, but rather a market centered around calmness and strategy. This is great news for anyone looking to make a well-informed decision.

According to KIJCK. real estate agents, this is the perfect moment to explore your options, even before you take any decisive action.

Ready for Your Next Step?

Do you wish to understand what the housing market in 2026 specifically means for your situation?
Whether you want to buy, sell, or simply orient yourself: we would be delighted to assist you.

👉 Schedule a no-obligation consultation with KIJCK. real estate agents today
✔ Fixed rate of € 4950,- including VAT
✔ Personal guidance
✔ Membership in NVM and proven local expertise