"Year of Recovery in the Housing Market: Expectations for 2026"

Reactivation of the Housing Market

In the housing market, the recovery that started in July 2025 began to be felt significantly in the second half of the year. Especially in the last six months, the strong increase observed in sales volume indicates that the prolonged stagnation in the sector has come to an end. This activity, which gained momentum in mid-2025, continues unabated in the early months of 2026.

Decrease in High Interest Rates

The expected decline in housing loan interest rates began to manifest in the last quarter of 2025. The average interest rates applied by banks have fallen to their lowest levels in the last 28 months, dropping to attractive levels such as 2.49% at some banks. This situation played a critical role in the revival of housing demand. Additionally, according to Central Bank data, it was observed that housing prices increased annually above inflation in the November, December, and January months. It is believed that the real value loss process that has lasted for almost two years has come to an end and a new profit period has begun for homeowners.

Investment Attraction in the Medium and Long Term

Industry experts agree that housing investment has significant profit potential in the medium and long term. With alternative investment instruments losing their attractiveness, it is expected that housing will emerge again as a "safe haven." Expectations for 2026 suggest that housing prices and demand will increase together. Experts state, "Gold, stocks, and deposit interest rates may not sustain their current yield levels. In contrast, housing will offer advantages to investors through both rental income and value appreciation."

Supply Issues and Their Impact on Prices

One of the most significant risks recorded in the market is the insufficiency of housing supply. Due to rising construction costs, increasing land prices, and difficulties in obtaining credit, new housing production remains limited. Experts warn that this situation could pave the way for prices to rise more rapidly alongside increased demand. The inability to provide sufficient supply, especially in large cities, is highlighted as one of the factors that could increase price pressure.

A Period Full of Opportunities

Industry representatives express strong expectations for 2026. They emphasize that the prices of housing under pressure are actually at low levels, and the decrease in interest rates, high costs, and limited supply make price increases inevitable. "In the coming months, it will become challenging to find a similar property at current prices. Therefore, the existing conditions present an opportunity for those looking to buy housing," is the view expressed.