1. ANSWER — No definitive date exists for nationwide housing costs to decrease; 2026 forecasts predict flat to modest growth (0-3%) nationally, with price declines only in select markets like Florida cities (e.g., Cape Coral -10.2%) and resale homes pressured by new builds. Nominal prices unlikely to fall broadly; real (inflation-adjusted) prices may soften slightly due to wage/income growth outpacing home values.1234

2. EVIDENCE —
- NAR (Jan 5, 2026): 2-3% price growth in 2026, no major decline; real terms decline via affordability gains.1
- Forbes (Mar 23, 2026): 0-3% national growth; J.P. Morgan at 0%.2
- J.P. Morgan (Jan 27, 2026): Prices stall at 0% nationally.3
- Realtor.com/CBS (Feb 3, 2026): Declines in 22 cities (e.g., Florida metros -3.6% to -10.2%).4
- Zillow (Mar 13, 2026): +0.7% by year-end.5
- Redfin (Dec 2, 2025): +1% median sale price.6
Conflicting: Some resale forecasts (NAHB, Feb 17, 2026) see drops from builder pricing; no national crash expected.7

3. CREDIBILITY — 8/10 (Strong consensus from economists/banks on flat/slow growth; regional variations noted; forecasts updated as of Mar 2026 but inherently predictive).

4. BIAS — CENTER (Sources: NAR, Zillow, Redfin, J.P. Morgan, Realtor.com, Forbes—industry/real estate analysts with data-driven outlooks).