What should we expect next year?

Predicting next year's market with a specific number would mean inventing a statistic this site does not have, so the honest answer is that rates, inventory, and local demand all shift enough that no one can forecast it reliably this far out. What is more useful is watching your specific target neighborhood's actual listing and closing activity as it happens, rather than a broad national prediction that may not apply locally. Joel Boss tracks that activity across his twelve North Metro Atlanta towns in real time. Ask him for a current read whenever you are ready to act.