Canada vs. U.S. Housing in 2026: Rates, Supply, and What Buyers Can Expect

A practical, no-nonsense look at what could shape the Canadian and U.S. housing markets by 2026: interest rates and affordability, Canadian mortgage renewal risk, the U.S. inventory "lock-in," supply constraints, and policy shifts. The episode lays out three realistic scenarios—soft landing, faster rebound, or prolonged sluggishness—and explains how regional job growth, insurance costs, and construction pipelines can drive divergent outcomes.

Instead of timing the market, the episode urges personal readiness: stable income, emergency savings, and a realistic budget. Track leading indicators—central bank direction, listings and inventory, new construction starts/completions, local employment, and policy changes—to see which scenario is unfolding where.

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