2026 offers Katy home buyers stabilized prices, more inventory, and real negotiating power. This guide covers market conditions, new construction vs. resale, school premiums, and how to know if you're personally ready to buy.

Lower mortgage rates in late 2025 create new opportunities for home buyers in Katy and the Houston area. By Katie Curran | Keller Williams Signature TL;DR Mortgage rates have dropped to around 6.22% as of late 2025, improving affordability and buying power. If you've been waiting for a better time to enter the Houston area housing market, this rate decline could be the opportunity you need — before competition heats up again. Mortgage Rates Are Moving in Your Favor If you've