Buying a home has always been a major milestone, and as we head into 2026, it’s still one of the smartest financial moves you can make. Despite higher costs and shifting market trends, the pros of buying a house remain strong: stability, long-term wealth, and the freedom to make a home your own.

Homeownership is a major part of achieving the American Dream, and unlike popular belief these days, it is well within reach thanks to NHC. We help families and first-time buyers find new construction homes starting in the low $180s, often for less than local rent. From affordable financing through NHC Mortgage to family-friendly communities across Texas, Florida, and North Carolina, we make homeownership accessible again.

Let’s break down the top benefits of owning a home in today’s market and why 2026 might just be your year to make it happen.

Market Outlook: What Experts Expect Heading Into 2026

While no one can predict the housing market with certainty, expert forecasts are pointing to a calmer, more balanced environment in 2026.

• Moderate price growth: National home prices are expected to rise around 4% in 2026, which is a steady but manageable pace compared to previous surges.
• Stabilizing mortgage rates: Many economists predict rates could settle in the mid-6% range by late 2026, helping more buyers re-enter the market.
• Slight growth recovery: According to Zillow, U.S. home prices could increase about 0.4% from mid-2025 to mid-2026, signaling a gentle return to growth.

In other words, the frenzied housing market of the past few years is cooling, but not collapsing. For buyers who’ve been waiting for the right moment, home buying in 2025 and into 2026 could offer a more stable, predictable path to ownership. 

But with NHC’s affordable homes and financing options, you don’t have to worry about market conditions. You’ll be able to afford a home that doesn’t break your bank and has more square footage than any of the other expensive homes on the market.

The 5 Pros of Buying a House 

Now that you know what to expect for the rest of 2025 and into 2026, let’s take a look at the benefits of owning a home in today’s market. 

1. Building Equity and Long-Term Wealth

The most powerful of all the pros of buying a house is equity. Every mortgage payment builds ownership in something that’s yours, not your landlord’s. Over time, that ownership turns into real wealth.

In 2025, the typical homeowner’s net worth is ~$430,000, compared to ~$10,000 for renters, making homeowners 43 times wealthier than renters. That’s because as home values appreciate, your investment grows while rent payments vanish into someone else’s pocket.

With NHC’s affordable pricing and low cost per square foot, you can start building equity faster. A home purchased today for $250,000 could easily gain tens of thousands in value over the years, especially in growing markets across the Southeast.

2. Affordability and Flexible Financing

Another major advantage of homeownership with NHC is affordability. While housing prices have climbed nationwide, our mission is to make new homes attainable for everyday buyers.

Through NHC Mortgage, there are flexible home loan options you may qualify for:

• Zero- or low-down-payment programs
• FHA, VA, and USDA loans
• Down payment assistance in select communities
• No-closing-cost mortgage options

Even better, NHC covers closing costs on every sale when you use NHC Mortgage, helping you save thousands upfront. These programs allow you to move into your dream home sooner, so you can start enjoying the benefits of owning a home instead of paying rent that keeps climbing.

3. Stability, Security, and Freedom

There’s a comfort that comes with homeownership you can’t get from renting. One of the top pros of buying a house is the security of knowing you control your own space.

When you own, there’s no risk of sudden rent hikes, no surprise eviction notices, and no landlords changing their plans. You can paint the walls, plant a garden, or turn your spare room into an office, all without asking permission.

NHC homes are designed to fit your lifestyle, not the other way around. Our numerous floor plans, energy-efficient materials, and smart layouts give you the freedom to grow while keeping maintenance costs low.

4. Community and Lifestyle Value

Buying a home isn’t just a financial decision; it’s a decision that should fit your lifestyle. Among the most underrated advantages of homeownership is the sense of belonging that comes from putting down roots.

NHC communities are intentionally placed near schools, parks, shopping, and dining, creating spaces that make daily life easier and more enjoyable. 

Explore available homes in Northern/Central Texas, Southern Texas, Florida, and North Carolina to see how NHC is redefining affordable, connected living.

5. Tax Advantages and Financial Incentives

Let’s face it, tax season isn’t anyone’s favorite time of year. But one major benefit of owning a home is that it can lower what you owe.

You may qualify for deductions on:

• Mortgage interest
• Property taxes
• Private mortgage insurance (PMI)
• Home office expenses (if applicable)

And when or if you sell your home, you might qualify for up to $250,000 in capital gains exclusions for single homeowners, or $500,000 for married couples, according to the IRS.

So, When Is the Right Time to Buy?

The best time to start reaping the pros of buying a house is when you’re ready financially and emotionally. Waiting for a “perfect” market often means missing out on years of equity growth.

While mortgage rates may shift in 2026, home prices are projected to rise modestly rather than fall. That means today’s prices could be tomorrow’s bargains. As the saying goes: “Marry the home, date the rate.”

With NHC Mortgage, refinancing is always an option down the road, so you can secure your dream home now and adjust your rate later.

Start Your Homeownership Journey With NHC

As we head into 2026, there’s no better time to explore the benefits of owning a home, especially through NHC. 

With affordable pricing, flexible financing, and quality construction, NHC makes it easy to take the next step toward the American Dream. We make your home-buying decision even easier as we have the largest square footage per price in the market, just starting at $75 per square foot. 

Want to find your home today? Give us a call to get started. 

Frequently Asked Questions

Is buying a house still worth it in 2025?

Yes. The pros of buying a house, stability, equity, and financial growth, continue to outweigh renting. With NHC’s affordable pricing and builder incentives, homeownership remains within reach even as the market evolves.

How does buying a home help build wealth?

One of the greatest advantages of homeownership is wealth creation. As you pay down your loan and your property appreciates, your net worth increases. Renters simply don’t get that return.

Are new construction homes better long-term investments?

Absolutely. NHC’s new construction homes feature modern materials, energy efficiency, and warranties—saving you from costly repairs and preserving long-term value.