*December 08, 2025 | 5 min read*
After two years of a stubbornly balanced (and sometimes frustrating) market in Rockwall County, **2026 is shaping up to be the year things finally move again**.
Expert forecasts — combined with what we’re already seeing in pending sales and buyer inquiries — point to significantly more activity next year. The “lock-in effect” is starting to crack. More homeowners are accepting that rates aren’t going back to 3%, and life moves (jobs, growing families, empty nests, relocations) are forcing decisions.
Bottom line: **more homes will sell in Rockwall, Heath, Fate, Royse City, and the DFW metro in 2026 — and that creates opportunity for both buyers and sellers.**
Here’s what the latest national and local forecasts say is driving the change.
Mortgage Rates: Slow Staircase Down Continues
Rates peaked near 7.3% earlier in 2025 and have already eased into the mid-to-high 6s by December.
Every major forecast (Fannie Mae, MBA, NAR, Wells Fargo) now agrees: **we’ll end 2026 in the low 6s or high 5s**, with most clustering around 5.8–6.2%.
Yes, it’ll be bumpy — economic data, inflation reports, and Fed moves will cause weekly swings — but the overall trend is down.
Even the current mid-6s we’re seeing right now are already saving buyers $300–$600/month versus the peak earlier this year on a $600K–$800K Rockwall home.
When rates drop another half-point or more in 2026? That unlocks thousands of move-up buyers who’ve been sitting on the sidelines — and that’s exactly what will drive more sales volume next year.
Home Prices: Still Rising, Just More Moderately
National forecasts call for 2–4% appreciation in 2026.
In Rockwall County specifically, we expect **3–5% growth** — stronger than the national average because of continued in-migration, job growth in Dallas, and still-limited inventory relative to demand.
After slight dips or flat growth in parts of 2025, prices are already stabilizing and ticking up again in desirable neighborhoods (Stone Creek, The Preserve, Watersedge, Breezy Hill, etc.).
No crash. No big pullback. Just normal, healthy appreciation that makes real estate the best long-term investment it’s always been.
**🔥 CALL OUT: Luxury Homes in Rockwall — 2026 Outlook**
The $1.5M–$5M+ segment is poised for one of its strongest years ever. Lower rates bring back jumbo buyers from California, New York, and Chicago who want lakefront estates, acreage properties, and new-construction masterpieces. Waterfront and gated-community inventory remains extremely low — many of our best listings never hit MLS.
If you’re considering buying or selling a luxury property in 2026, now is the time to position yourself.
**Contact Rockwall’s #1 luxury team for off-market previews and 2026 strategy.**
**Call/Text Jorge Avila directly at (469) 380-7433 or visit 2ARealtyGroup.com**
The Big Picture for Rockwall in 2026
– More sales volume = more options for buyers
– Lower rates = significantly improved affordability
– Moderate price growth = continued equity gains for sellers
– Still-low inventory in the best neighborhoods = multiple offers return on properly priced, well-marketed homes
After a quieter 2024–2025 stretch, **2026 is the year the Rockwall market gets its groove back**.
Will you be ready when it does?
Whether you’re planning to buy your forever home on Lake Ray Hubbard, upgrade to a luxury estate, downsize, or finally make that move you’ve been postponing — the #1 team in Rockwall is already helping clients position themselves to win in 2026.
Let’s build your plan now — before the spring rush hits.
📞 **Contact 2A Realty Group today** — (469) 380-7433
🌐 **2ARealtyGroup.com**
📧 Jorge@2ARealtyGroup.com
*KW Luxury Official | KW Sports + Entertainment | Serving Rockwall County & Broken Bow, OK*
