The Smart Way To Approach 50 Fastest-Cooling Housing Markets in the U.S.
- - The Smart Way To Approach 50 Fastest-Cooling Housing Markets in the U.S.
Travis WoodsFebruary 4, 2026 at 6:00 AM
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While America’s housing market in the 2020s has primarily been defined by high prices and low availability, many local markets have trended in the opposite direction. A number of metropolitan areas are experiencing significant housing market cool-downs.
To locate these markets, MoneyLion scoured housing listings across America (via Zillow Research Data) to locate the fastest-cooling cities in the nation. Changes in home values over one year were specifically sought out, as were projected home values between February and November 2026 as compared to the average home value in November 2025.
From that matrix of data, MoneyLion was able to determine the 50 fast-cooling housing markets in America, ranked from the highest one-year change in average home value to the lowest. For prospective homebuyers, this ranking indicates a series of cooling markets throughout the United States that present purchasing opportunities that may be worth pursuing; for investors and sellers, the trends and cities listed offer a guide to realistic pricing strategies throughout a variety of local markets.
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Key Findings -
Louisiana’s housing market is softening the most: The Pelican State has more cities on the list than any other in the top 50. Specifically, 14 of the fastest-cooling housing markets are in Louisiana.
Colorado Springs, Colorado, has the most listings with price cuts: While Greenville, Mississippi, might have the highest one-year change in housing value, a whopping 33.4% of housing listings in Colorado Springs have undergone price cuts, more than any other city listed.
Greenville, Mississippi, also has the cheapest home values: In addition to highest one-year changes in housing values, Greenville also has the lowest housing prices of any city charted.
1. Greenville, Mississippi -
Average home value: $47,346
1-year change in average home value: -15.4%
% of listings with price cuts: 16.5%
Projected average home value in February 2026: $44,931
Projected average home value in November 2026: $40,055
2. Big Spring, Texas -
Average home value: $135,859
1-year change in average home value: -7.4%
% of listings with price cuts: 20.3%
Projected average home value in February 2026: $134,636
Projected average home value in November 2026: $125,805
3. Opelousas, Louisiana -
Average home value: $126,784
1-year change in average home value: -7.1%
% of listings with price cuts: 22.8%
Projected average home value in February 2026: $125,136
Projected average home value in November 2026: $117,782
4. Houma, Louisiana -
Average home value: $175,890
1-year change in average home value: -7.0%
% of listings with price cuts: 19.2%
Projected average home value in February 2026: $173,427
Projected average home value in November 2026: $163,578
5. Murray, Kentucky -
Average home value: $178,312
1-year change in average home value: -6.6%
% of listings with price cuts: 23.5%
Projected average home value in February 2026: $169,753
Projected average home value in November 2026: $166,544
6. DeRidder, Louisiana -
Average home value: $186,255
1-year change in average home value: -6.2%
% of listings with price cuts: 19.4%
Projected average home value in February 2026: $184,951
Projected average home value in November 2026: $174,707
7. Lake Charles, Louisiana -
Average home value: $193,836
1-year change in average home value: -6.0%
% of listings with price cuts: 19.6%
Projected average home value in February 2026: $191,898
Projected average home value in November 2026: $182,206
8. Ukiah, California -
Average home value: $482,813
1-year change in average home value: -6.0%
% of listings with price cuts: 19.5%
Projected average home value in February 2026: $477,502
Projected average home value in November 2026: $453,844
9. McComb, Mississippi -
Average home value: $97,470
1-year change in average home value: -5.5%
% of listings with price cuts: 21.2%
Projected average home value in February 2026: $96,398
Projected average home value in November 2026: $92,110
10. Natchitoches, Louisiana -
Average home value: $171,160
1-year change in average home value: -5.4%
% of listings with price cuts: 19.4%
Projected average home value in February 2026: $169,448
Projected average home value in November 2026: $161,917
11. Natchez, Mississippi -
Average home value: $114,877
1-year change in average home value: -5.1%
% of listings with price cuts: 13.7%
Projected average home value in February 2026: $113,958
Projected average home value in November 2026: $109,019
12. Johnstown, Pennsylvania -
Average home value: $109,859
1-year change in average home value: -4.6%
% of listings with price cuts: 21.4%
Projected average home value in February 2026: $110,738
Projected average home value in November 2026: $104,805
13. Morgan City, Louisiana -
Average home value: $113,994
1-year change in average home value: -4.4%
% of listings with price cuts: 20.0%
Projected average home value in February 2026: $114,791
Projected average home value in November 2026: $108,978
14. New Orleans -
Average home value: $252,775
1-year change in average home value: -4.1%
% of listings with price cuts: 23.0%
Projected average home value in February 2026: $251,259
Projected average home value in November 2026: $242,412
15. Clovis, New Mexico -
Average home value: $153,836
1-year change in average home value: -4.0%
% of listings with price cuts: 21.6%
Projected average home value in February 2026: $153,067
Projected average home value in November 2026: $147,683
16. Carlsbad, New Mexico -
Average home value: $229,075
1-year change in average home value: -4.0%
% of listings with price cuts: 20.3%
Projected average home value in February 2026: $228,388
Projected average home value in November 2026: $219,912
17. Eureka, California -
Average home value: $421,001
1-year change in average home value: -4.0%
% of listings with price cuts: 22.9%
Projected average home value in February 2026: $416,791
Projected average home value in November 2026: $404,161
18. DuBois, Pennsylvania -
Average home value: $131,596
1-year change in average home value: -3.9%
% of listings with price cuts: 18.9%
Projected average home value in February 2026: $131,465
Projected average home value in November 2026: $126,464
19. Plainview, Texas -
Average home value: $118,948
1-year change in average home value: -3.5%
% of listings with price cuts: 20.5%
Projected average home value in February 2026: $118,711
Projected average home value in November 2026: $114,785
20. Clearlake, California -
Average home value: $300,506
1-year change in average home value: -3.2%
% of listings with price cuts: 20.6%
Projected average home value in February 2026: $297,802
Projected average home value in November 2026: $290,890
21. Shreveport, Louisiana -
Average home value: $172,270
1-year change in average home value: -3.1%
% of listings with price cuts: 23.6%
Projected average home value in February 2026: $171,925
Projected average home value in November 2026: $166,929
22. Lafayette, Louisiana -
Average home value: $193,481
1-year change in average home value: -3.0%
% of listings with price cuts: 23.1%
Projected average home value in February 2026: $193,287
Projected average home value in November 2026: $187,676
23. Gaffney, South Carolina -
Average home value: $178,269
1-year change in average home value: -2.9%
% of listings with price cuts: 28.2%
Projected average home value in February 2026: $177,556
Projected average home value in November 2026: $173,099
24. Roswell, New Mexico -
Average home value: $166,043
1-year change in average home value: -2.9%
% of listings with price cuts: 17.8%
Projected average home value in February 2026: $165,046
Projected average home value in November 2026: $161,227
25. Silver City, New Mexico -
Average home value: $182,872
1-year change in average home value: -2.9%
% of listings with price cuts: 20.4%
Projected average home value in February 2026: $181,226
Projected average home value in November 2026: $177,569
26. El Campo, Texas -
Average home value: $230,964
1-year change in average home value: -2.8%
% of listings with price cuts: 19.0%
Projected average home value in February 2026: $229,116
Projected average home value in November 2026: $224,497
27. Taos, New Mexico -
Average home value: $428,740
1-year change in average home value: -2.7%
% of listings with price cuts: 13.6%
Projected average home value in February 2026: $427,025
Projected average home value in November 2026: $417,164
28. Fort Polk South, Louisiana -
Average home value: $160,616
1-year change in average home value: -2.6%
% of listings with price cuts: 15.7%
Projected average home value in February 2026: $162,543
Projected average home value in November 2026: $156,440
29. Laurel, Mississippi -
Average home value: $144,558
1-year change in average home value: -2.5%
% of listings with price cuts: 20.1%
Projected average home value in February 2026: $144,414
Projected average home value in November 2026: $140,945
30. Alexandria, Louisiana -
Average home value: $164,011
1-year change in average home value: -2.4%
% of listings with price cuts: 22.1%
Projected average home value in February 2026: $164,832
Projected average home value in November 2026: $160,075
31. Hammond, Louisiana -
Average home value: $217,333
1-year change in average home value: -2.4%
% of listings with price cuts: 23.6%
Projected average home value in February 2026: $217,333
Projected average home value in November 2026: $212,117
32. Pine Bluff, Arkansas -
Average home value: $95,223
1-year change in average home value: -2.4%
% of listings with price cuts: 18.0%
Projected average home value in February 2026: $94,937
Projected average home value in November 2026: $92,938
33. Beaumont, Texas -
Average home value: $178,189
1-year change in average home value: -2.3%
% of listings with price cuts: 22.5%
Projected average home value in February 2026: $178,545
Projected average home value in November 2026: 174,090
34. Austin, Texas -
Average home value: $422,294
1-year change in average home value: -2.2%
% of listings with price cuts: 27.2%
Projected average home value in February 2026: $415,538
Projected average home value in November 2026: $413,004
35. Fairbanks, Arkansas -
Average home value: $289,412
1-year change in average home value: -2.1%
% of listings with price cuts: 27.9%
Projected average home value in February 2026: $290,570
Projected average home value in November 2026: $283,334
36. Punta Gorda, Florida -
Average home value: $295,732
1-year change in average home value: -2.0%
% of listings with price cuts: 20.6%
Projected average home value in February 2026: $289,817
Projected average home value in November 2026: $289,817
37. Chico, California -
Average home value: $389,846
1-year change in average home value: -2.0%
% of listings with price cuts: 24.6%
Projected average home value in February 2026: $388,287
Projected average home value in November 2026: $382,049
38. Monroe, Louisiana -
Average home value: $157,743
1-year change in average home value: -1.9%
% of listings with price cuts: 23.9%
Projected average home value in February 2026: $157,112
Projected average home value in November 2026: $154,746
39. Somerset, Kentucky -
Average home value: $171,249
1-year change in average home value: -1.8%
% of listings with price cuts: 24.1%
Projected average home value in February 2026: $170,221
Projected average home value in November 2026: $168,166
40. Port Lavaca, Texas -
Average home value: $197,697
1-year change in average home value: -1.8%
% of listings with price cuts: 13.1%
Projected average home value in February 2026: $197,499
Projected average home value in November 2026: $194,138
41. Truckee, California -
Average home value: $597,763
1-year change in average home value: -1.7%
% of listings with price cuts: 22.2%
Projected average home value in February 2026: $592,981
Projected average home value in November 2026: $587,601
42. San Francisco -
Average home value: $1,087,917
1-year change in average home value: -1.6%
% of listings with price cuts: 20.1%
Projected average home value in February 2026: $1,084,653
Projected average home value in November 2026: $1,070,510
43. Meridian, Mississippi -
Average home value: $117,172
1-year change in average home value: -1.5%
% of listings with price cuts: 18.7%
Projected average home value in February 2026: $117,523
Projected average home value in November 2026: $115,414
44. Odessa, Texas -
Average home value: $244,504
1-year change in average home value: -1.5%
% of listings with price cuts: 26.1%
Projected average home value in February 2026: $245,482
Projected average home value in November 2026: $240,836
45. Ruston, Louisiana -
Average home value: $215,891
1-year change in average home value: -1.5%
% of listings with price cuts: 18.8%
Projected average home value in February 2026: $216,107
Projected average home value in November 2026: $212,652
46. Sulphur Springs, Texas -
Average home value: $256,648
1-year change in average home value: -1.4%
% of listings with price cuts: 18.1%
Projected average home value in February 2026: $256,134
Projected average home value in November 2026: $253,054
47. Napa, California -
Average home value: $868,275
1-year change in average home value: -1.4%
% of listings with price cuts: 20.4%
Projected average home value in February 2026: $863,934
Projected average home value in November 2026: $856,119
48. Macomb, Illinois -
Average home value: $95,940
1-year change in average home value: -1.3%
% of listings with price cuts: 18.2%
Projected average home value in February 2026: $96,515
Projected average home value in November 2026: $95,692
49. Batesville, Arkansas -
Average home value: $154,898
1-year change in average home value: -1.3%
% of listings with price cuts: 15.5%
Projected average home value in February 2026: $155,208
Projected average home value in November 2026: $152,885
50. Corpus Christi, Texas -
Average home value: $216,251
1-year change in average home value: -1.3%
% of listings with price cuts: 20.4%
Projected average home value in February 2026: $216,468
Projected average home value in November 2026: $213,440
Methodology: For this study, MoneyLion analyzed housing markets across the U.S. to find the fastest-cooling locations. Using Zillow Research Data, housing markets across the U.S. were identified. The estimated change in home values for 3-months and 1-year were identified using the Zillow Home Value Forecast and all places with a decline in values were isolated. The percentage of homes with a price cut, the mean price cut, and the median price cut were all sourced from Zillow Research Data. The single family home value for November 2025 was sourced from Zillow Home Value Index. Using the current average home value for each housing market, the estimated values in three months and one year were calculated. The housing markets were sorted to show the largest one-year decline in home values first, representing the places with the fastest-cooling housing markets. All data is up to date as of Dec. 22, 2025.
This article was provided by MoneyLion.com for informational purposes only and should not be construed as financial, legal or tax advice.
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