⊜ Equal Housing Opportunity Lender NMLS #2748322
Phoenix Housing Market — 2026
For Phoenix renters who have been waiting

The Market Just
Shifted
In Your Favor

After four years of waiting, sellers are now paying closing costs, prices are off their peak, and Phoenix just became a buyer's market for only the second time in 25 years. If you've been renting and watching — this is that window.

50%+
Of sellers now paying buyer's closing costs in Phoenix
22,040
Homes listed — most inventory in years
$0
Down payment required on select AZ programs
40+
Arizona programs to assist first-time buyers
★★★★★

"Todd showed us we were closer to owning than we ever thought. The market shift made it happen — we closed in May."

Jessica R. — Gilbert, AZ · First-Time Buyer
Free Eligibility Check

Find Out If You Qualify

3 questions · No credit pull · Responds in 1 hour

1
2
3
✓
Question 1 of 3
What is your current credit score?
Don't know your exact score? Choose the range that best fits. This does not pull your credit.
😕
Below 580
🤔
580 – 619
👍
620 – 679
💪
680 – 739
🌟
740 or higher
Question 2 of 3
How long have you been at your current job?
Consistent employment history is a key factor in loan qualification.
Less than 6 months
6 months – 1 year
1 – 2 years
2 – 5 years
5+ years
Question 3 of 3
What is your gross monthly income?
Enter your income before taxes. Include all sources — job, self-employment, rental income, etc.
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Example: If you earn $55,000/year, enter $4,583
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Your Results Are Ready
Enter your name and number — Todd will call with your exact program options within 1 hour.

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By submitting, I agree to be contacted by Todd Des Marais (NMLS #2748322), Movement Mortgage, via phone, text, or email including automated means. Consent is not a condition of service. Msg & data rates may apply.

T
Todd Des Marais
Mortgage Loan Originator · Movement Mortgage
(253) 266-2741
Phoenix 2026 Market Report — Source: Arizona Regional MLS / Cromford Report

This Is Only the Second Buyer's Market in 25 Years

For four years renters watched prices surge and felt locked out. That cycle has reversed. Sellers are negotiating. Inventory is up. Concessions are everywhere. The people who act now are buying the same homes that were untouchable in 2022.

32.9%
Of Phoenix homes had price drops Year-over-year, up from near zero in 2022. The leverage has flipped to buyers.
50%+
Of $200K–$600K transactions include seller-paid concessions. They're paying your closing costs.
22,040
Homes currently listed in the Phoenix metro — the most buyer choice in years.
The Renter's Dilemma

Every Month You Rent,
You Pay Someone Else's Mortgage

Renting feels safe. But your landlord is building wealth with your money, month after month. The fear of "buying at the wrong time" is exactly what keeps renters renting — while homeowners accumulate equity.

⏳
4 Years of Pent-Up Demand
Economists confirm significant pent-up demand after years of buyers deferring due to fear of buying at the peak. The window to act before prices rise again is open now.
📉
Rents Have Been Declining 32 Months Straight
Phoenix rents are down 6.9% year-over-year — the longest decline streak in recent history. The rental market is correcting. That stability won't last forever.
🏠
Single-Family Rentals Are Disappearing
Rental inventory — particularly single-family homes — has fallen significantly in Maricopa County. The choice to rent a house is getting harder and more expensive every year.
10-Year Wealth Comparison

Yes, Owning Costs More Per Month. Here Is What That Buys You.

At today's Phoenix median of $415,000 with 3.5% down, owning costs roughly $886/month more than renting. Here's what that gap actually means over time.

Buy Now
Keep Renting
Year 5
$112,000home equity
$26,000invested savings
Year 10
$224,000home equity
$58,000invested savings
Year 30
$1,100,000+home value (paid off)
$0no asset, still paying rent
$166K
Buyer is ahead after just 10 years At Phoenix's historical 5%/year appreciation, the monthly gap disappears into equity. After 10 years the buyer has $166,000 more net worth than the renter — even after accounting for the higher monthly cost.
Equity vs Savings — 10 Year Projection
Owner equity (5% appreciation)
Renter savings (4% invested)
Owner equity grows to $224K over 10 years versus renter savings of $58K.

Based on $415,000 purchase, 3.5% down, 6.5% rate, $1,950/mo rent, 5%/yr appreciation, 3%/yr rent increase. For illustrative purposes only. Not a commitment to lend.

Phoenix Historical Context
2015–2020: avg +6.2%/yr
2020–2022: +40% total (pandemic surge)
2022–2024: −3% to −5% (correction)
2024–2026: stabilising ~+2%/yr
10-year avg (2015–2025): ~+8.5%/yr
Simple Process

From Renter to Owner in 4 Steps

01
Check your eligibility
Fill out the form above. 4 questions, no credit pull, 60 seconds.
02
Free strategy call
Todd reviews your specific situation and shows you real numbers — what programs you qualify for and what your payment would be.
03
Get pre-approved
Movement Mortgage's 7-day processing means you can move fast when you find the right home.
04
Stop paying rent
Close on your home and start building equity with every payment — instead of someone else's.
Client Results

Phoenix Buyers Who Stopped Waiting

★★★★★

"Working with Todd was the best decision we made. He patiently explained everything and found us an amazing home in Phoenix that fit our budget perfectly."

Sarah & Mike T. — Phoenix, AZ
★★★★★

"We were overwhelmed — pre-approval, inspections, closing costs, the competitive market. Todd walked us through everything. Highly recommend for anyone buying in the Valley."

Jessica R. — Gilbert, AZ
★★★★★

"Buying felt intimidating until we found Todd. He knows Arizona inside and out. The entire experience was smooth, educational, and stress-free."

David C. — Mesa, AZ
The Window Is Open Now

Still Paying
Someone Else's Mortgage?

Sellers are paying closing costs. Prices are off the peak. Arizona has 40+ programs to help you get in. The only question is how long you want to wait.

See My Options — Free →
No credit pull · No obligation · Todd responds within 1 hour
Not a commitment to lend. All loans subject to credit and property approval. Programs, rates, and terms subject to change without notice. Down payment assistance programs have income, purchase price, and geographic limits. Not all borrowers will qualify. Wealth projections are for illustrative purposes only based on historical data — past performance does not guarantee future results.
Todd Des Marais NMLS #2748322 · Movement Mortgage LLC NMLS #39179 · Licensed in Arizona · NMLS Consumer Access · Equal Housing Opportunity Lender · Privacy Policy
Buyer's market — act now
Sellers paying closing costs