As a seller, did I miss the boat?
Did You Miss the Boat? The Truth About the 2026 Real Estate Market in Troy
Lately, whether I’m grabbing my morning coffee or stopping by the office, I keep hearing the same question from friends and clients alike: "Scott, be honest with me—did I miss the boat?"
It’s a valid fear. After the rollercoaster of the last few years, a lot of people feel like the window of opportunity slammed shut while they were waiting for the "perfect" moment. But here is the honest truth: You haven't missed the boat. You just need to learn how to navigate a different river.
We are currently looking at the most balanced market we’ve seen in Troy in nearly a decade. The frenzy is gone, but in its place is something much better for long-term success: stability.
Here is the "real talk" on what is actually happening in our local market right now, and why 2026 might actually be the year you were waiting for.
1. Inventory is Finally Up (and Buyers Have Choices)
For a long time, buying a home felt like a chaotic race. You had fifteen minutes to see a house and five minutes to make an offer. That isn't the case anymore.
National and local supply is finally growing—we are seeing about a 10% year-over-year increase in inventory. What does this mean for you? It means you actually have choices again. You don't have to settle for a house that doesn't fit your needs just because it's the only one available. You can take a breath, look around, and find the home that truly fits your lifestyle.
2. Stability is the New Trend
We are seeing mortgage rates level out in the low 6s. While we aren't at the historic lows of a few years ago, we are also done with the aggressive volatility that scared so many people off.
The "rate-panic" is over. We are in a period of steady planning. This stability allows you to budget accurately, knowing that your numbers aren't going to wildly fluctuate between your pre-approval and your closing date.
3. Negotiations Are Back on the Table
This is perhaps the biggest win for buyers in 2026. For a while, terms like "inspection contingency" or "seller concessions" were treated like bad words. If you wanted the house, you had to waive your rights.
Today, inspections are back, and they are standard. Sellers are more willing to contribute to closing costs or make repairs to get the deal done. It’s no longer about one side winning and the other losing; it’s about making the deal work for both sides.
The Bottom Line
Whether you’re looking for your first starter home in town or you are finally ready to sell that family farmhouse in the country, the rules of the game have changed—for the better. You don't need to rush, but you do need a strategy.
I’m here to help you navigate this new landscape so you can move forward with confidence.
Are you ready to discuss your dreams? Contact me today and let's get started.
Written by Scott Kelsall Realtor®, Kelsall Realty LLC
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