Westminster Home Prices Are Stabilizing, Not Falling in 2026

By Nick Kellar

Nick Kellar is a dedicated real estate consultant, investor, and community steward serving Baltimore and the surrounding areas.

Is the Westminster housing market finally turning a corner in 2026? That’s the big question on everyone’s mind this year. Whether you’re a buyer, seller, or just watching from the sidelines, understanding what’s ahead can help you make smarter moves. The good news? Things are starting to feel a little more predictable.

Here’s what’s ahead for the Westminster local real estate market:

Mortgage rates are expected to stay steady. If you’ve been waiting for rates to drop back into the fives, don’t hold your breath. Experts believe mortgage rates will hover around 6% this year. That means you probably won’t see much change, either up or down. While lower rates sound nice, they usually come with bigger problems like job loss or a weak economy.

The upside to steady rates is that buyers and sellers can finally plan without worrying about wild swings. And if you’re buying, you may be able to get sellers’ help to bring your rate down with closing credits.

Home sales could go up slightly. Many people have been waiting and waiting to buy a home. That group is often called “shadow demand” because they aren’t active yet, but they’re ready to jump in when the time feels right. Since rates aren’t climbing, and some homeowners with super-low rates are starting to move again, we could see more houses being bought and sold this year.

Experts think home sales might grow by about 7% in 2026, especially in places like Westminster, where people are eager to make a move.

Home prices will likely grow slowly. The days of crazy home price jumps might be behind us. But that doesn’t mean prices are falling. Instead, they’re expected to grow at a more normal pace, usually around 3% in 2026. That’s actually good news. It means the market is getting healthier and more balanced. Buyers won’t be in bidding wars every time, and sellers can still build equity over time.

Local market changes depend on national decisions. What happens with interest rates, inflation, and national leadership changes could still shift the local market. For example, if the Federal Reserve gets a new leader or big mortgage companies like Fannie Mae make changes, we might see rates adjust slightly.

But remember, these are just factors to watch, not reasons to rush or panic. The best move is the one that makes the most sense for your life, not just the market.

If you’re thinking about buying your first home, selling your current one, or just need help understanding what 2026 means for your next move, I’m here to guide you through it. I offer no-pressure, no-obligation consultations to help you feel confident and prepared. Call me today at 443-375-2224 or email nick@storyline-homes.com, and let’s talk about what’s possible for you in this changing market.