Miami Metro: Buyers Could See Lower Monthly Payments in 2026

Miami–Fort Lauderdale–West Palm Beach, FL is projected to see a modest monthly housing cost decline among the top 50 US metros in 2026.
Monthly housing payments in the Miami area are projected to fall 2.02% yearly, averaging ~$2,595/mo.
Lower mortgage rates combined with modest home price growth are expected to reduce monthly housing costs.
Miami buyers may experience moderate relief in a market that remains high-demand and expensive.
Overall, declining costs could help support continued buyer activity without triggering rapid price shifts.