Persistent affordability pressures in the U.S. housing market are continuing to reshape who buys homes -- and who does not. New research from real-estate analytics firm Cotality shows that elevated mortgage rates and record-high prices are sidelining many owner-occupant buyers
U.S. foreclosure activity climbed on an annual basis for the 11th consecutive month in January 2026, underscoring mounting strain in pockets of the housing market even as overall distress levels remain far below post-financial-crisis highs.
Homeowner equity across the United States softened modestly in the final months of 2025, signaling a housing market that is losing some of the rapid momentum built during the pandemic-era boom but still resting on a comparatively solid financial foundation.
According to new data from property analytics firm Cotality, the U.S. housing market is opening 2026 in a state of recalibration rather than recovery, with cooling prices, widening regional disparities and mounting affordability strains reshaping buyer and seller behavior.