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2026 Market Watch: Why Lower U.S. Mortgage Rates Are Sparking a Move to Frisco

The following report was generated using Gemini Deep Research, with "U.S. mortgage rates slide to one of lowest levels since 2022" as the initial source.

As we settle into 2026, the real estate landscape across Dallas and Collin Counties is undergoing a "Great Rebalancing." For my clients—whether you are a first-time homebuyer, a seasoned investor, or looking to lease luxury living while you watch the market—the signals are clearer than they have been in years. The headline news driving activity this January is that U.S. mortgage rates have slid to their lowest levels since late 2024, creating a unique window of opportunity in the Metroplex.


The Shift in U.S. Mortgage Rates After a challenging year of volatility, the cost of borrowing is finally easing. The 30-year fixed-rate mortgage dropped to approximately 6.18% in early January . This decline is partly driven by a narrowing spread between mortgage rates and Treasury yields, as well as aggressive new federal policies aiming to lower home-financing costs .


For buyers in Dallas and Collin County, this drop in U.S. mortgage rates instantly boosts purchasing power. A lower rate doesn't just lower your monthly payment; it expands the price point you can afford, potentially bringing neighborhoods in Plano, Prosper, or Preston Hollow back within reach. However, while rates are falling, inventory in areas like Collin County has surged by over 40% year-over-year, firmly shifting leverage back to buyers. This means you can now negotiate price and repairs—a luxury that was impossible two years ago.


The Strategic Move: New Apartments in Frisco While the buying conditions are improving, I know many of you are not quite ready to commit to a mortgage, or you are relocating to the area and want to get a feel for the land before buying. This brings us to the hottest trend in our local market: the explosion of luxury new apartments in Frisco.

Frisco is currently experiencing a renaissance in high-end rental living, offering a perfect "lifestyle bridge" for those waiting for U.S. mortgage rates to settle further. These aren't just rentals; they are resort-style communities that rival 5-star hotels.


If you are looking for new apartments in Frisco, the options opening in 2025 and 2026 are staggering:


  • Jefferson Railhead: Located in the heart of the new Railhead district, these units offer high-end finishes and are minutes from the Dallas North Tollway.


  • Mirra at Frisco Square: Perfect for those who want walkability to dining and entertainment.


  • The Monarch at Hall Park: For those seeking high-rise luxury with views of the new Kaleidoscope Park.


These developments are offering competitive move-in specials (some up to 6-10 weeks free) because developers are competing for you.


The Bottom Line for 2026 Whether you are an investor eyeing the price corrections in Collin County or a professional relocating to the area, the strategy is the same: leverage the data. U.S. mortgage rates are creating buying opportunities we haven't seen in months, but the boom in new apartments in Frisco provides an incredible alternative for those prioritizing flexibility.


As your local expert serving the greater Dallas-Fort Worth area, I help clients navigate both sides of this coin. Let’s connect to discuss whether you should lock in a rate today or lease luxury for a year.



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