In 2026, certain US ZIP codes see homes selling 18-30 days with 3-5.3 times more views than average, requiring higher down payments (17% vs. 13%) and quick decisions amid low inventory. Nine out of 10 homes sell at or above asking price. Mortgage rates average 6.69%, demanding strong credit and savings. Buyers must secure pre-approval, set strict budgets, explore assistance programs, and consider nearby areas to navigate fierce competition and protect finances.
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