Market Insights: How the Housing Market is Shaping Up for the Holidays & 2026

As we head into the holiday season and prepare for the start of 2026, the housing market in Southern Passaic County and Bergen County, NJ is experiencing meaningful and long-awaited shifts. Whether you're buying or selling, understanding these trends can give you the confidence you need heading into the new year.

Growing Inventory in the Bergen County & Southern Passaic County Real Estate Market

After years of tight inventory, months of supply are finally increasing. More sellers are choosing to list their homes, giving buyers more opportunities and improving overall market balance.

Why this matters:

• More homes = more choices for buyers

• Less pressure on buyers to rush into a decision

• Healthier competition among sellers (and stronger offers for well-prepared listings)

This inventory surge is something both buyers and real estate professionals in North Jersey have been anticipating for a long time.

Seller Preparation Is More Important Than Ever in North Jersey

With more homes hitting the market, sellers must make their homes stand out. This is where strategic pre-listing preparation becomes a major advantage.

Key seller strategies:

• Pre-inspections to avoid surprises

• Staging to highlight space & lifestyle

• Strategic updates (kitchens, baths, flooring) that boost buyer appeal

• Leveraging programs like Value Up, which help sellers prepare their homes for top-tier presentation

In a competitive market, the homes that show the best sell the fastest and for the strongest price.

What Buyers Can Expect as More Homes Hit the Market

Although inventory is growing, buyer activity is rising too—week over week.

Buyers can expect:

• More options

• Slightly more time to make decisions

• Continued strong competition

• A need to stay flexible & ready

With rising mortgage purchase applications, it’s clear buyers are returning in full force.

How Mortgage Rate Changes Affect Affordability

Mortgage rates remain a driving factor in buyer behavior.

Every time rates dip—even slightly—buyer affordability increases, bringing more shoppers back into the market. This creates bursts of activity and competitive windows, especially in popular towns across Bergen and Passaic Counties.

Buyers should:

• Stay updated on daily rate changes

• Understand their true affordability

• Keep their pre-approval current

Real Estate Remains One of the Strongest Investments You Can Make

Despite headlines about rising prices, homeowners across North Jersey have seen rapid equity growth.

Whether you're updating a kitchen, refinishing floors, or preparing a home for sale, the money you put in often comes back — and then some.

Real estate continues to be one of the most reliable long-term wealth-building vehicles.

How Buyers & Sellers Can Win Heading Into 2026

For Buyers:

• Stay diligent and flexible

• Know your numbers (payment + rate sensitivity)

• Be prepared to act quickly when the right home hits the market

For Sellers:

• Prep your home thoroughly

• Focus on presentation

• Invest in improvements that pay off

• Stand out from competing listings

Confidence comes from preparation — and the more you understand the market, the smoother your experience will be.

Have Questions? I'm Here to Help.

Whether you're buying or selling, I always offer complimentary consultations. You can text, DM, or schedule a call — whatever is easiest for you.