LOS ANGELES — Several housing economists are projecting that mortgage rates will ease moderately next year, though the forecasts call for the average rate on a 30-year home loan to remain above 6%.

While lower rates could help bring more buyers off the sidelines, the projected declines are unlikely to encourage homeowners who locked in rock-bottom rates two years ago to sell. That sets the stage for the housing market to remain constrained by a low supply of homes on the market, even if rates decline, economists say.

“The costs are going to remain high and we’re going to see a lot of people just choose to sit out,” said Danielle Hale, chief economist at Realtor.com.

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