House price momentum has cooled, creating a steadier national backdrop where buyers can compare local conditions before choosing timing or negotiating strategy.
Mortgage costs remained elevated, but a move near ~6% offered rare relief for rate-weary borrowers and supported hopes for stronger spring activity.
Starter-home shortages still supported yearly price gains, so affordability conversations should focus on inventory, payment comfort, and neighborhood-level options before buyers write offers.
Regional divergence widened, with local supply constraints and migration patterns reshaping price trends instead of one uniform national market for buyers and sellers.
Experts cautioned subdued price growth can still feel tougher once inflation and mortgage rates shape household budgets, keeping planning essential for buyers now.
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