Buyers Are STUCK… Here’s Why

Описание: Mortgage rates just dropped to 6.09% — so why are home sales falling 8.4%?

In this 2026 housing market update, I break down what’s really happening with mortgage rates, inventory, home prices, and buyer activity — and why it still feels so hard to buy a house right now.

If you’ve been wondering:

Should I wait to buy?
Are home prices about to fall?
Is this finally a buyer’s market?
Why are existing home sales declining?
This video explains the real story in plain English.
We’ll cover:
The latest 30-year mortgage rate data
Why lower rates aren’t fixing affordability
The lock-in effect explained
Current housing inventory levels
Why home sales dropped 8.4%
What this means for buyers and sellers
And how the Birmingham housing market compares to national trends

The headlines make it sound simple — but the reality of the 2026 housing market is more complicated.

If you’re thinking about buying or selling in Birmingham, Helena, Hoover, Alabaster, or anywhere in the Birmingham metro, this breakdown will help you understand what’s actually happening right now.

📞 Thinking about buying or selling in Birmingham, Alabama?
Schedule a call: https://calendly.com/zakjonesrealesta...
📱 Call/Text: 205-538-2321
📧 Email: [email protected]
🌐 Website: zakjonesgroup.kw.com
Follow me everywhere: @zaksellsbham

00:00 Mortgage Rates Drop to 6.09% (2026 Update)
00:06 Why This “Good News” Doesn’t Make Sense
00:09 Existing Home Sales Fall 8.4% — Lowest in 2 Years
00:15 Why It Still Feels Hard to Buy a House
00:37 Do Lower Mortgage Rates Mean Lower Home Prices?
00:49 30-Year Mortgage Rate Data Explained
01:04 Payment Breakdown: 6.87% vs 6.09% ($350K Example)
01:22 Why Lower Rates Aren’t Fixing the Housing Market
01:30 National Home Sales Report (NAR January Data)
01:51 Median Home Prices Are Still Rising
02:02 The Real Problem: Housing Inventory & Lock-In Effect
02:17 1.22 Million Homes for Sale — 3.7 Months Supply
02:34 Why Homeowners Aren’t Listing (Golden Handcuffs)
03:01 Homes Taking Longer to Sell (Days on Market Rising)
03:12 Birmingham Housing Market Update (January 2026)
03:23 Birmingham Home Prices & Days on Market
03:29 Fewer Homes Sold in Birmingham — What It Means
03:45 Is It a Buyer’s Market in Birmingham?
03:54 What Buyers Should Do Right Now
04:25 New Construction Incentives Explained
04:34 What Sellers Need to Know in 2026
04:47 When Will the Housing Market Feel Normal Again?
05:06 What $350K Buys in Helena vs Alabaster vs Hoover