Do I Need a Buyer’s Agent in 2026?

Do you really need a buyer’s agent in 2026, or can you buy a home on your own?

Can you buy a home without a buyer’s agent? Yes.
Should you? Probably not.

Let’s talk through why.

Yes, You Can Buy a Home Without a Buyer’s Agent

There are situations where buyers go it alone.

For example, with new construction, you can walk into a builder’s sales office, talk to the site agent, write a contract, and technically never hire your own agent.

But here’s the part people forget.

That site agent works for the builder. They’re paid by the builder. They represent the builder’s interests — not yours.

If something goes wrong, they are not obligated to advocate for you. They’re doing their job, which is protecting the builder.

And here’s another key point:
Builders do not give you a better deal because you don’t have an agent.

In most cases, builders already factor buyer-agent commissions into their pricing — and they usually pay that commission anyway. So having your own representation often costs you nothing extra while giving you protection.

What Happens When You’re Not Buying New Construction?

When you’re buying resale homes, your options are more limited.

To tour homes, you’ll typically need to:

• Sign a buyer broker agreement

• Sign a showing or touring agreement

• Attend open houses

• Or call the listing agent directly

Many buyers think calling the listing agent will save them money. But this is where things get tricky.

The Problem With Using the Listing Agent as a Buyer

The listing agent has a fiduciary duty to the seller first.

Think about that.

You want:

• The lowest possible price

• Repairs completed

• Credits negotiated

• Protection if the appraisal comes in low

The seller wants:

• The highest price

• Fewer repairs

• Fewer concessions

Those are conflicting goals.

So how can one agent truly fight for both sides at the same time?

Even with the best intentions, the listing agent’s loyalty starts with the seller — because that’s who hired them.

Buyer Commission Changes Don’t Automatically Help You

With recent changes around buyer commissions, some buyers assume:

“If I use the listing agent, I’ll get a better deal.”

That’s usually not true.

In many cases:

• The seller has already agreed to a commission structure

• The listing agent simply earns both sides of the commission

• You pay the same price — but without your own advocate

So the question becomes: Would you rather pay the same price with someone negotiating solely for you… or without anyone protecting your interests?

Negotiations Are Where Buyer’s Agents Really Earn Their Keep

This is where a buyer’s agent matters most:

• Inspections

• Repairs

• Appraisal issues

• Contract deadlines

• Risk management

Without your own agent, you need to fully understand contracts, timelines, and negotiation strategies — because no one else is responsible for protecting you.

If you’re:

• A lawyer

• An experienced investor

• Someone who’s bought and sold many homes recently

You might be comfortable doing this alone.

But if you’re:

• A first-time buyer

• Someone who hasn’t bought in years

• Someone unfamiliar with current contracts and laws

Going without representation can be a costly mistake.

One Often-Overlooked Benefit: Simplicity

There’s also the practical side.

When you work with a buyer’s agent:

• You explain what you want once

• You work with one point of contact

• You have someone filtering homes, answering questions, and guiding timing

Instead of explaining your situation over and over again to different agents, you have one person helping streamline the process — which makes the entire experience less stressful and more efficient.

Not All Buyer’s Agents Are the Same

This part matters.

There are plenty of agents out there who don’t know what they’re doing. Choosing the wrong one doesn’t help you at all.

You should:

• Research experience

• Read reviews

• Ask questions

• Make sure they understand your market, price range, and goals

The right agent makes a huge difference. The wrong one doesn’t.

Final Takeaway

So… do you need a buyer’s agent in 2026?

Legally? No.
Practically? In most cases, yes.

Buying a home is one of the largest financial decisions you’ll ever make. Having someone whose sole job is to protect your interests is usually worth it.

If you’re buying in Jacksonville, St. Augustine, Orange Park, or anywhere in Duval, Clay, or St. Johns County, we’d love the opportunity to talk with you.

Whether you choose to work with us or not, we encourage you to interview agents, ask questions, and make sure you feel confident in who’s guiding you through the process.

If you’d like to see if CrossView Realty is the right fit, give us a call at 904-503-0672 or email info@crossviewrealty.com. We’re always happy to have a conversation and help you decide what makes the most sense for you.