A quarterly survey from TurboHome and ResiClub indicates that 47% of U.S. homeowners say they would accept a mortgage rate of up to 6% on their next home purchase. The finding, based on responses from 430 adults collected between April 21 and May 21, 2026, marks the third iteration of the TurboHome-ResiClub Housing Sentiment Survey, which previously ran in Q1 2025 and Q3 2025.
The survey is designed to track shifting consumer attitudes around home prices, mortgage rates, agent commissions, and affordability. By repeating the same questions over time, the partners aim to capture how sentiment evolves as market conditions change. The latest result suggests a potential thaw in the so-called "lock-in" effect, where homeowners have been reluctant to sell and give up sub-3% mortgages secured during the pandemic.
While the data signals that more homeowners may be open to moving, the sample size is modest and the survey was conducted by TurboHome, a digital platform combining local agents with AI tools to reduce transaction costs. The partnership with ResiClub, a housing market research outlet, provides some credibility, but the results should be interpreted cautiously given the specialized nature of the respondent pool and the survey's limited scope.
If validated by broader data, this shift could gradually unlock inventory in a market that has been characterized by limited supply and elevated prices. However, the 6% threshold is still well above the historic lows of recent years, and many homeowners remain anchored to their current low-rate mortgages. Any meaningful improvement in housing turnover will likely depend on further rate declines or changes in household financial pressures.
Notably, some survey results reflect only homeowner responses while others include renters and those living with family rent-free; the specific breakdown for the 47% figure was not detailed in the available material. The full survey results are expected to be released in a forthcoming newsletter.