The landscape of US real estate commissions has fundamentally shifted by early 2026, creating new standards for buyers and sellers alike. Following recent industry settlements, mandatory buyer representation agreements and fully negotiable commission structures are now the norm. This guide clarifies who pays whom, explains the necessity of written contracts before touring homes, and explores why sellers should still consider offering agent compensation to maximize their market reach.

January 2026 offers a unique window of opportunity for homebuyers in the United States. With mortgage rates stabilizing near 6 percent and inventory levels rising significantly, the typical winter slowdown has transformed into a strategic advantage. This article explores why acting before the spring rush allows buyers to negotiate better terms, utilize builder incentives, and secure a home without facing fierce bidding wars.