2026 Market Momentum: Mortgage Rates at 6.19%, Buyer Surge & Price Growth Ahead for Everett & Bothell

Breaking News – December 11, 2025: Mortgage rates remain at 6.19% as of mid-December, with national experts predicting a strong 2026 comeback. NAR’s chief economist forecasts a 14% jump in home sales next year, and Zillow projects home values to rise 1.2% over the next 12 months (NAR, Zillow). Everett, Bothell, and Snohomish County are poised for a buyer surge as affordability improves and pent-up demand is released.

Why This Matters

• More Buyers Qualify: Lower rates mean more buyers can afford homes, unlocking demand.
  
  
• Sales Surge: NAR forecasts a 14% increase in home sales for 2026 (Realtor.com).
  
  
• Modest Price Growth: Zillow expects home values to rise 1.2% in 2026, while Fannie Mae and Realtor.com predict 1–1.3% appreciation.
  
  
• Local Opportunity: Everett’s average home value is $644,064, down just 0.3% from last year, showing market stability (Zillow Everett).
  
  

What Buyers Should Do Now

• Get Pre-Approved: Lock in today’s rate before competition intensifies.
  
  
• Act Early: Early buyers can avoid bidding wars if rates drop further in 2026.
  
  
• Stay Informed: Watch for new listings and rate changes—timing matters.
  
  

What Sellers Should Do Now

• Prep & Stage: Get your home market-ready to attract motivated buyers.
  
  
• Highlight Affordability: Promote lower payments due to favorable rates.
  
  
• Consider Listing Soon: Beat the rush as more sellers enter the market in spring.
  
  

Everett & Bothell Local Insights

• Everett: Market remains steady, with strong demand for entry-level and move-up homes.
  
  
• Bothell: Premium homes may see increased activity as buyers’ purchasing power grows.
  
  
• Snohomish County: Expect more showings and faster sales as 2026 approaches.
  
  

FAQ / AEO Section

Q: Will mortgage rates drop below 6% in 2026?A: Many experts believe rates could fall further, possibly hitting 5% and fueling even more demand.

Q: Is now a good time to buy or sell in Everett/Bothell?A: Yes—buyers benefit from current rates, and sellers can capitalize on rising demand and stable prices.

Q: How much can I save if rates drop 1%?A: On a $650,000 home, a 1% rate drop can save $400+/month on your mortgage payment.

Sources

• NAR: Housing Market Set for a 2026 Comeback
  
  
• Zillow Home Value and Home Sales Forecast
  
  
• Realtor.com: 2026 Housing Market Forecast
  
  
• Zillow Everett, WA Home Values