【Zillow】Typical Home Should be Affordable in 20 Major Markets by Year’s End, the Most Since 2022 (December 2025 Market Report)

• Home buying is becoming more affordable in more cities, with Zillow forecasting that 20 of the 50 largest U.S. metros will be affordable to buy in by the end of 2026 — the most since 2022.
• Mortgage payments are easing but still strain budgets, as monthly costs are $177 lower than their October 2023 peak, yet still require 32.6% of median household income nationally.
• Affordability is on track to improve without a price crash, as Zillow expects home values to rise 1.9% in 2026 and increase in 41 of the 50 largest metros, supporting homeowner equity while buyers regain footing.

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