Houston Metro: Buyers Could See Lower Monthly Payments in 2026

Houston–Pasadena–The Woodlands, TX is projected to see a modest monthly housing cost decline among the top 50 US metros in 2026.
Monthly housing payments in the Houston area are projected to fall 2.69% yearly, averaging ~$1,687/mo.
Lower mortgage rates combined with modest home price growth are expected to reduce monthly housing costs.
Houston buyers may see incremental relief in a market that remains affordable relative to other major metros.
Overall, modest declines could make homeownership slightly more accessible and support steady buyer demand.