: Mortgage rates remain elevated, hovering above 6% for 30-year fixed loans in the US and between 8.5% and 9.5% in India. While some lenders have begun small, tactical rate cuts in April 2026, experts warn that a return to pandemic-era lows is unlikely in the near term.
Across major global markets, the housing sector is currently in a state of "structural standstill." In the United States, home price growth has stalled at approximately 0% nationally as of April 2026, with a noticeable divide between cooling coastal metros and more affordable inland regions. Similarly, the Indian market is shifting from aggressive appreciation to "strategic pricing," with prices in major cities like Mumbai and Bengaluru expected to rise at a more moderate 5% to 7% annually over the next three years. Key Factors for Buyers is this a good time to buy a home
Whether now is a "good" time depends heavily on your specific financial profile and location: : Mortgage rates remain elevated, hovering above 6%
Experts generally agree that for (those buying a primary residence for the long term), the current stability offers a safer entry point than the volatile peaks of previous years. Conversely, for short-term investors , low rental yields and stagnant price growth in many regions make it a less attractive moment for speculative buying. Is Now a Good Time to Buy a House in India? - Knowledge Hub Similarly, the Indian market is shifting from aggressive