Market Trends

Texas Housing Market Trends for 2026: What Buyers and Sellers Need to Know

February 10, 2026 | 8 min read | By MortgageLoanTX Editorial Team

The Texas real estate market in 2026 presents a nuanced picture of opportunity and challenge. Texas mortgage professionals are closely watching these market shifts as they influence lending strategies statewide.

Statewide Overview

The median home price in Texas has risen to approximately $340,500 as of early 2026, representing a 3.8% year-over-year increase. This growth rate has moderated from the double-digit appreciation seen during the pandemic era, signaling a healthier, more sustainable market. Active listings statewide have climbed to around 89,450, a 12% increase from the previous year, giving buyers more choices than they have had in recent memory.

Homes are spending an average of 42 days on the market, up from 35 days a year ago. This slight cooling allows buyers to conduct due diligence without the frantic bidding wars that characterized 2021 and 2022.

Regional Highlights

San Antonio

San Antonio continues to be one of the most affordable major metros in Texas, with a median price of $310,000. Military presence (Joint Base San Antonio), a growing tech sector, and the ongoing revitalization of areas like the Pearl District keep demand steady. Year-over-year appreciation sits at 4.2%.

Dallas-Fort Worth

DFW leads in price appreciation at 4.8%, driven by corporate relocations, job growth, and a diverse economy. The median home price of $395,000 reflects the metroplex's status as one of the nation's fastest-growing regions.

Austin

Austin's market has cooled from its pandemic highs but remains strong with a median of $485,000. The tech sector continues to attract talent, though increased new construction has helped stabilize prices. Year-over-year growth is a more modest 2.1%.

Houston

Houston's diverse economy and massive inventory ($335,000 median, 22,100 active listings) make it a buyer-friendly market. The energy sector recovery has boosted housing demand, with 3.5% appreciation year-over-year.

Mortgage Rate Impact

Average 30-year fixed mortgage rates in Texas are hovering around 6.5%, a significant factor in affordability calculations. Buyers should use our mortgage calculator to understand exactly how current rates affect their monthly payments.

What This Means for You

Whether you are buying, selling, or investing, the 2026 Texas market rewards preparation. Check our market data page for the latest statistics, and explore our resources section for guides tailored to your situation.