{"id":8457,"date":"2026-09-07T16:51:08","date_gmt":"2026-09-07T23:51:08","guid":{"rendered":"https:\/\/blog.loaning.ai\/en\/?p=8457"},"modified":"2026-09-07T16:51:10","modified_gmt":"2026-09-07T23:51:10","slug":"homebuyer-negotiating-power-listings-rise","status":"publish","type":"post","link":"https:\/\/blog.loaning.ai\/en\/8457\/","title":{"rendered":"More Listings Give Homebuyers More Leverage\u2014But Affordability Still Limits Demand"},"content":{"rendered":"\n<style id=\"loaning-homebuyer-negotiating-power-listings-rise-design-system\">\n@import url(\"https:\/\/cdn.jsdelivr.net\/gh\/orioncactus\/pretendard@v1.3.9\/dist\/web\/variable\/pretendardvariable-dynamic-subset.min.css\");\n.loaning-geo-article,.loaning-geo-article *{box-sizing:border-box!important;font-family:\"Pretendard Variable\",Pretendard,-apple-system,BlinkMacSystemFont,\"Segoe UI\",sans-serif!important}\n.loaning-geo-article{--loaning-green:#15966b;--loaning-green-dark:#15583f;--loaning-green-soft:#eef8f4;--loaning-ink:#26332d;--loaning-muted:#68756f;--loaning-line:#e1e7e4;width:100%!important;max-width:860px!important;margin:0 auto!important;padding:0 16px 140px!important;color:var(--loaning-ink)!important;font-size:16px!important;line-height:1.75!important;overflow-wrap:break-word!important}\n.loaning-geo-article>h2{margin:0 0 20px!important;padding:0 0 10px!important;border-bottom:1px solid #dce5e0!important;color:#173f2e!important;font-size:26px!important;line-height:1.38!important}\n.loaning-article-tools{position:relative!important;z-index:20!important;display:flex!important;align-items:center!important;justify-content:space-between!important;gap:18px!important;margin-bottom:24px!important;padding-bottom:18px!important;border-bottom:1px solid #e3eae6!important}\n.loaning-article-tools__keywords{display:flex!important;flex:1!important;flex-wrap:wrap!important;gap:7px 14px!important}\n.loaning-article-tools__label{flex-basis:100%!important;color:#7a8680!important;font-size:11px!important;font-weight:700!important}\n.loaning-article-tools__keywords a{color:#27664a!important;font-size:13px!important;font-weight:650!important;text-decoration:none!important}\n.loaning-article-tools__actions{position:relative!important;display:flex!important;gap:10px!important}\n.loaning-ai-summary{position:relative!important}\n.loaning-ai-summary>summary{display:flex!important;align-items:center!important;gap:8px!important;min-height:44px!important;padding:8px 14px!important;border:1px solid #d5e2db!important;border-radius:999px!important;background:#fff!important;color:#173f2e!important;font-size:14px!important;font-weight:700!important;list-style:none!important;cursor:pointer!important}\n.loaning-ai-summary>summary::-webkit-details-marker{display:none!important}\n.loaning-ai-summary__panel{position:absolute!important;z-index:40!important;top:calc(100% + 10px)!important;right:0!important;width:min(420px,calc(100vw - 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32px),680px)!important;transform:translateX(-50%)!important}\n.loaning-floating-cta__link{display:flex!important;align-items:center!important;justify-content:center!important;min-height:52px!important;border-radius:999px!important;background:#49cc7f!important;color:#fff!important;text-decoration:none!important;font-weight:700!important}\n@media(max-width:680px){.loaning-geo-article{padding:0 12px 124px!important}.loaning-article-tools{flex-direction:column!important;align-items:stretch!important}.loaning-ai-summary__panel{right:auto!important;left:0!important}.loaning-geo-article>h2{font-size:24px!important}.loaning-floating-cta{width:calc(100vw - 24px)!important}.loaning-side-tools{right:12px!important;bottom:72px!important;width:44px!important}.loaning-side-tools__item span{display:none!important}}\n@media print{.loaning-floating-cta,.loaning-side-tools,.loaning-article-tools__actions{display:none!important}}\n<\/style>\n\n<style>\n.loaning-rate-box,.loaning-rate-box *{box-sizing:border-box}\n.loaning-rate-box{width:100%;margin:28px auto;padding:24px 26px 22px;border:1px solid #e5e7eb;border-radius:10px;background:#fff;box-shadow:0 2px 8px rgba(15,23,42,.12)}\n.loaning-rate-box h2{text-align:center;font-size:23px}\n.loaning-rate-form{display:grid;grid-template-columns:repeat(3,minmax(120px,.85fr)) minmax(170px,1.15fr);gap:14px}\n.loaning-rate-field{padding:10px 12px;border:1px solid #9ca3af;border-radius:5px;color:#111827!important;text-decoration:none!important}\n.loaning-rate-field span{display:block;font-size:11px;color:#6b7280}\n.loaning-rate-field strong{display:block;font-size:14px}\n.loaning-rate-button{display:flex;align-items:center;justify-content:center;border-radius:999px;background:#22c965;color:#fff!important;text-decoration:none!important;font-weight:800}\n.loaning-rate-note{text-align:center;font-size:13px}\n@media(max-width:900px){.loaning-rate-form{grid-template-columns:1fr 1fr}.loaning-rate-button{grid-column:span 2}}\n@media(max-width:600px){.loaning-rate-form{grid-template-columns:1fr}.loaning-rate-button{grid-column:auto}}\n<\/style>\n\n<style id=\"loaning-homebuyer-negotiating-power-listings-rise-editorial-overrides\">\n.loaning-fact-check{margin-top:30px!important}\n.loaning-editorial-disclosure *{font-size:10px!important;line-height:1.7!important}\n<\/style>\n\n<article id=\"loaning-article-top\" class=\"loaning-geo-article\" lang=\"en\" tabindex=\"-1\">\n<section class=\"loaning-article-tools\" aria-label=\"Related keywords and article tools\">\n<div class=\"loaning-article-tools__keywords\">\n<span class=\"loaning-article-tools__label\">Related keywords<\/span>\n<a href=\"#hmt-supply\">#HousingInventory<\/a><a href=\"#hmt-prices\">#HomePrices<\/a><a href=\"#hmt-leverage\">#BuyerLeverage<\/a><a href=\"#hmt-local\">#LocalMarkets<\/a>\n<\/div>\n<div class=\"loaning-article-tools__actions\">\n<details class=\"loaning-ai-summary\">\n<summary aria-label=\"Open AI summary\">AI Summary<\/summary>\n<div class=\"loaning-ai-summary__panel\">\n<p class=\"loaning-ai-summary__title\">The essentials at a glance<\/p>\n<ul>\n<li>New listings reached their highest level since August 2022 in Redfin\u2019s four-week data.<\/li>\n<li>Homebuyer negotiating power is improving, but the median sale price remained above its year-earlier level.<\/li>\n<li>Desirable properties can still attract competition.<\/li>\n<\/ul>\n<\/div>\n<\/details>\n<button type=\"button\" class=\"loaning-share-button\" aria-label=\"Share this article\"><svg viewBox=\"0 0 24 24\"><circle cx=\"18\" cy=\"5\" r=\"2.5\"><\/circle><circle cx=\"6\" cy=\"12\" r=\"2.5\"><\/circle><circle cx=\"18\" cy=\"19\" r=\"2.5\"><\/circle><\/svg><\/button>\n<span class=\"loaning-share-status loaning-visually-hidden\" aria-live=\"polite\"><\/span>\n<\/div>\n<\/section>\n\n<div class=\"loaning-intro\">\n<p>The U.S. housing market entered September with more homes coming onto the market than buyer demand was absorbing. That shift is improving homebuyer negotiating power in many areas, but it has not made housing broadly inexpensive.<\/p>\n<p>For buyers who can manage today\u2019s monthly costs, the mismatch between supply and demand may create more time to compare properties, review inspections and negotiate.<\/p>\n<\/div>\n\n<div class=\"loaning-key-takeaways\">\n<p class=\"loaning-key-takeaways__title\">\ud83d\udcdd <strong>Key Takeaways<\/strong><\/p>\n<ul>\n<li><strong>More fresh supply:<\/strong> New listings increased 8.0% year over year.<\/li>\n<li><strong>Restrained demand:<\/strong> Pending sales were 2.5% lower than one year earlier.<\/li>\n<li><strong>Sticky prices:<\/strong> The median sale price increased 2.2% annually.<\/li>\n<li><strong>Local leverage:<\/strong> Inventory-rich markets may support stronger negotiation.<\/li>\n<\/ul>\n<\/div>\n\n<nav class=\"loaning-toc\">\n<p class=\"loaning-toc__title\">In this guide<\/p>\n<div class=\"loaning-toc__links\">\n<a href=\"#hmt-supply\">Supply and demand<\/a><a href=\"#hmt-data\">Market snapshot<\/a><a href=\"#hmt-prices\">Prices<\/a><a href=\"#hmt-leverage\">Negotiating power<\/a><a href=\"#hmt-local\">Local differences<\/a><a href=\"#hmt-buyer\">Buyer checklist<\/a><a href=\"#hmt-conclusion\">Conclusion<\/a>\n<\/div>\n<\/nav>\n\n<div class=\"loaning-key-takeaways loaning-fact-check\">\n<p class=\"loaning-key-takeaways__title\">\u2705 <strong>Fact-Check Snapshot<\/strong><\/p>\n<ul>\n<li>Redfin\u2019s latest snapshot covers the four weeks ending August 30, 2026.<\/li>\n<li>NAR and Census\/HUD figures cover July and therefore lag the weekly Redfin data.<\/li>\n<li>The datasets use different samples, property populations and reporting frequencies.<\/li>\n<\/ul>\n<\/div>\n\n<br><br>\n<h2 id=\"hmt-supply\">\ud83c\udfe1 Fresh Supply Is Growing Faster Than Demand<\/h2>\n<p>Redfin counted 383,795 new listings during the four weeks ending August 30, up 2.1% from the prior week and 8.0% from one year earlier. Active listings reached 1,511,313.<\/p>\n<p>Pending sales totaled 308,282, down 0.1% from the prior week and 2.5% annually. Fresh supply was therefore expanding faster than signed contracts.<\/p>\n<p>NAR separately reported that July pending existing-home sales fell 2.3% monthly and 2.2% annually. Existing-home sales declined 1.7% monthly.<\/p>\n\n<br><br>\n<h2 id=\"hmt-data\">\ud83d\udcca The Latest Housing-Market Snapshot<\/h2>\n<div class=\"loaning-table-wrap\">\n<table>\n<thead><tr><th>Indicator<\/th><th>Latest reading<\/th><th>Comparison<\/th><\/tr><\/thead>\n<tbody>\n<tr><td>Redfin new listings<\/td><td>383,795<\/td><td>+2.1% weekly; +8.0% annually<\/td><\/tr>\n<tr><td>Redfin active listings<\/td><td>1,511,313<\/td><td>+0.4% weekly; +2.4% annually<\/td><\/tr>\n<tr><td>Redfin pending sales<\/td><td>308,282<\/td><td>-0.1% weekly; -2.5% annually<\/td><\/tr>\n<tr><td>Median sale price<\/td><td>$398,632<\/td><td>+2.2% annually<\/td><\/tr>\n<tr><td>Median asking price<\/td><td>$392,828<\/td><td>-0.1% annually<\/td><\/tr>\n<tr><td>Months of supply<\/td><td>4.0 months<\/td><td>3.7 months one year earlier<\/td><\/tr>\n<tr><td>Listings with price drops<\/td><td>20.9%<\/td><td>20.2% one year earlier<\/td><\/tr>\n<tr><td>Homes sold above list<\/td><td>25.9%<\/td><td>25.0% one year earlier<\/td><\/tr>\n<tr><td>NAR existing inventory<\/td><td>1.54 million; 4.6 months<\/td><td>July 2026<\/td><\/tr>\n<tr><td>Census\/HUD new-home inventory<\/td><td>488,000; 9.6 months<\/td><td>July 2026<\/td><\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p class=\"loaning-table-footnote\">Source: Redfin data cover four weeks ending August 30; NAR and Census\/HUD figures cover July. Their inventory measures are not directly interchangeable.<\/p>\n\n<div class=\"loaning-rate-box\">\n<h2>Compare mortgage options in minutes<\/h2>\n<div class=\"loaning-rate-form\">\n<a class=\"loaning-rate-field\" href=\"https:\/\/loaning.ai\/AIMortgageRate?purposeLoan=home_purchase&amp;utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=news&amp;utm_content=news_housing_price_0908\" target=\"_blank\" rel=\"noopener noreferrer\"><span>Loan Type<\/span><strong>Purchase<\/strong><\/a>\n<a class=\"loaning-rate-field\" href=\"https:\/\/loaning.ai\/AIMortgageRate?purposeLoan=home_purchase&amp;utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=news&amp;utm_content=news_housing_price_0908\" target=\"_blank\" rel=\"noopener noreferrer\"><span>Loan Term<\/span><strong>30-Year Fixed<\/strong><\/a>\n<a class=\"loaning-rate-field\" href=\"https:\/\/loaning.ai\/AIMortgageRate?purposeLoan=home_purchase&amp;utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=news&amp;utm_content=news_housing_price_0908\" target=\"_blank\" rel=\"noopener noreferrer\"><span>City<\/span><strong>Enter your city<\/strong><\/a>\n<a class=\"loaning-rate-button\" href=\"https:\/\/loaning.ai\/AIMortgageRate?purposeLoan=home_purchase&amp;utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=news&amp;utm_content=news_housing_price_0908\" target=\"_blank\" rel=\"noopener noreferrer\">Compare<\/a>\n<\/div>\n<p class=\"loaning-rate-note\">Personalized rates and terms vary by borrower and lender<\/p>\n<\/div>\n\n<br><br>\n<h2 id=\"hmt-prices\">\ud83d\udcb5 More Choice Has Not Produced Broad Price Declines<\/h2>\n<p>Buyer leverage and falling prices are not the same thing. Redfin\u2019s median sale price increased 2.2% annually, while NAR reported 2.0% annual growth in the median existing-home price.<\/p>\n<p>Redfin\u2019s median asking price slipped 0.1%, suggesting that some sellers were adjusting expectations before contract.<\/p>\n\n<br><br>\n<h2 id=\"hmt-leverage\">\ud83e\udd1d Where Buyer Leverage Is Showing Up<\/h2>\n<p>Price reductions appeared on 20.9% of listings, and supply increased to four months. Those indicators may support negotiation where a property has remained on the market.<\/p>\n<p>Redfin separately found concessions in 46.2% of transactions involving its buyers\u2019 agents during the three months ending May 31. Concessions can include allowable closing-cost assistance, repairs or a rate buydown, but the measure excludes negotiated price reductions.<\/p>\n<p>Leverage is not universal: 25.9% of homes in the latest weekly data still sold above their final asking price.<\/p>\n\n<br><br>\n<h2 id=\"hmt-local\">\ud83d\uddfa\ufe0f Local Markets Tell Different Stories<\/h2>\n<p>Census\/HUD reported 9.6 months of new-home supply in July, compared with NAR\u2019s 4.6 months for existing homes. Builders and resale owners may offer different incentives.<\/p>\n<p>Redfin estimated 48.5% more sellers than buyers nationally in June and classified 33 of 47 analyzed metros as buyer\u2019s markets. Conditions can still differ significantly within the same metro.<\/p>\n\n<div class=\"loaning-important-note\">\n<p class=\"loaning-important-note__title\">\u26a0\ufe0f Use the national trend as a starting point<\/p>\n<p>Recent comparable sales, listing age, property condition, competing offers, insurance costs and neighborhood-level inventory provide more useful offer signals.<\/p>\n<\/div>\n\n<br><br>\n<h2 id=\"hmt-buyer\">\u2705 How Buyers Can Use the Shift<\/h2>\n<div class=\"loaning-checklist\">\n<label class=\"loaning-checklist-card\"><input type=\"checkbox\"><span class=\"loaning-checklist-card__control\"><\/span><span class=\"loaning-checklist-card__text\">Compare recent neighborhood sales and listing history.<\/span><\/label>\n<label class=\"loaning-checklist-card\"><input type=\"checkbox\"><span class=\"loaning-checklist-card__control\"><\/span><span class=\"loaning-checklist-card__text\">Ask whether price, credits, repairs or timing are negotiable.<\/span><\/label>\n<label class=\"loaning-checklist-card\"><input type=\"checkbox\"><span class=\"loaning-checklist-card__control\"><\/span><span class=\"loaning-checklist-card__text\">Compare builder incentives with resale-home terms.<\/span><\/label>\n<label class=\"loaning-checklist-card\"><input type=\"checkbox\"><span class=\"loaning-checklist-card__control\"><\/span><span class=\"loaning-checklist-card__text\">Preserve appropriate financing, inspection and appraisal protections.<\/span><\/label>\n<\/div>\n\n<br><br>\n<h2 id=\"hmt-conclusion\">\ud83c\udfaf Conclusion<\/h2>\n<p>Rising listings and softer contract activity are giving many homebuyers more room to negotiate. The opportunity is clearest where inventory has accumulated, but greater leverage does not guarantee lower prices or easy affordability.<\/p>\n<p>Buyers should combine national context with property-level and neighborhood-level evidence.<\/p>\n\n<div class=\"loaning-rate-box\">\n<h2>Compare mortgage options in minutes<\/h2>\n<div class=\"loaning-rate-form\">\n<a class=\"loaning-rate-field\" href=\"https:\/\/loaning.ai\/AIMortgageRate?purposeLoan=home_purchase&amp;utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=news&amp;utm_content=news_housing_price_0908\" target=\"_blank\" rel=\"noopener noreferrer\"><span>Loan Type<\/span><strong>Purchase<\/strong><\/a>\n<a class=\"loaning-rate-field\" href=\"https:\/\/loaning.ai\/AIMortgageRate?purposeLoan=home_purchase&amp;utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=news&amp;utm_content=news_housing_price_0908\" target=\"_blank\" rel=\"noopener noreferrer\"><span>Loan Term<\/span><strong>30-Year Fixed<\/strong><\/a>\n<a class=\"loaning-rate-field\" href=\"https:\/\/loaning.ai\/AIMortgageRate?purposeLoan=home_purchase&amp;utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=news&amp;utm_content=news_housing_price_0908\" target=\"_blank\" rel=\"noopener noreferrer\"><span>City<\/span><strong>Enter your city<\/strong><\/a>\n<a class=\"loaning-rate-button\" href=\"https:\/\/loaning.ai\/AIMortgageRate?purposeLoan=home_purchase&amp;utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=news&amp;utm_content=news_housing_price_0908\" target=\"_blank\" rel=\"noopener noreferrer\">Compare<\/a>\n<\/div>\n<p class=\"loaning-rate-note\">Personalized rates and terms vary by borrower and lender<\/p>\n<\/div>\n\n<div class=\"loaning-editorial-disclosure\" style=\"background:#f8f9fa;border-radius:16px;padding:18px 22px;margin:16px 0\">\n* This article is for general informational and educational purposes only and is not financial, legal, tax or mortgage advice or an offer of a loan product. Market averages do not guarantee borrower-specific rates, terms, eligibility or approval.\n<\/div>\n\n<div class=\"loaning-side-tools\"><button type=\"button\" class=\"loaning-side-tools__item loaning-side-tools__item--top\" aria-label=\"Back to top\" hidden><span>Back to top<\/span><\/button><\/div>\n<div class=\"loaning-floating-cta\"><a class=\"loaning-floating-cta__link\" href=\"https:\/\/loaning.ai\/AIMortgageRate?purposeLoan=home_purchase&amp;utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=news&amp;utm_content=news_housing_price_0908\" target=\"_blank\" rel=\"noopener noreferrer\">\ud83d\udc49 Compare Mortgage Options<\/a><\/div>\n<\/article>\n\n\n\n<script>\n(function(){\nconst article=document.querySelector(\".loaning-geo-article\");if(!article)return;\nconst summary=article.querySelector(\".loaning-ai-summary\"),toggle=summary?.querySelector(\"summary\"),share=article.querySelector(\".loaning-share-button\"),status=article.querySelector(\".loaning-share-status\"),top=article.querySelector(\".loaning-side-tools__item--top\");\nsummary?.addEventListener(\"toggle\",()=>toggle?.setAttribute(\"aria-label\",summary.open?\"Close AI summary\":\"Open AI summary\"));\ndocument.addEventListener(\"click\",e=>{if(summary?.open&&!summary.contains(e.target))summary.removeAttribute(\"open\")});\nshare?.addEventListener(\"click\",async()=>{const data={title:\"More Listings Give Homebuyers More Leverage\u2014But Affordability Still Limits Demand\",text:\"Homebuyer negotiating power is growing as listings rise and demand cools.\",url:location.href};try{if(navigator.share)await navigator.share(data);else await navigator.clipboard.writeText(data.url);if(status)status.textContent=\"Link shared or copied.\"}catch(e){}});\nif(top){const update=()=>top.hidden=scrollY<560;addEventListener(\"scroll\",update,{passive:true});top.addEventListener(\"click\",()=>scrollTo({top:0,behavior:\"smooth\"}));update()}\n})();\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Related keywords #HousingInventory#HomePrices#BuyerLeverage#LocalMarkets AI Summary The essentials at a glance New listings reached their highest level since August 2022 in Redfin\u2019s four-week data. Homebuyer negotiating power is improving, but the median sale price remained above its year-earlier level. Desirable properties can still attract competition. The U.S. housing market entered September with more homes coming onto [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":7307,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"format":"standard"},"jnews_primary_category":[],"footnotes":""},"categories":[443],"tags":[],"class_list":["post-8457","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.2 (Yoast SEO v28.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Homebuyer Negotiating Power Grows as Listings Rise<\/title>\n<meta name=\"description\" content=\"Homebuyer negotiating power is growing as listings rise and demand cools. 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