Is Now a Good Time to Buy a House?

The State of the 2025 Housing Market

The U.S. housing market is evolving — and for buyers, the changes are encouraging. Mortgage rates have fallen below their 52-week averages, sellers are reducing prices, and inventory is rising for the first time in nearly two years.

So, is now a good time to buy a house?

According to the Realtor.com September 2025 Housing Market Trends Report, the real estate market is finally showing signs of balance after years of turbulence.

• Active Listings Are Up
• More Sellers Are Reducing Prices
• Homes Are Staying on the Market Longer

The median time on the market is now 62 days, a full week longer than last year. More time means more options for buyers and greater leverage when negotiating price.

Mortgage Rates: A Window of Opportunity

Over the past year, 30-year fixed mortgage rates have fluctuated between 6.08% and 7.04%, staying mostly below 7%. While rates aren’t at historic lows, they’re stabilizing — a positive sign for buyers who value predictability.

Smart Strategies for Today’s Mortgage Market:

• Shop around. Nearly 56% of borrowers only get preapproved by one lender — a mistake that could cost thousands.

• Put more down. A larger down payment can help you secure a lower rate.

• Negotiate a buydown. Some sellers and builders are offering temporary rate buydowns to attract buyers.

Take action: Use a mortgage calculator to determine your ideal budget and see how rate changes affect your payment.
Then, get preapproved with multiple lenders to lock in the best offer.

Is It the Right Time for You to Buy?

Market trends are only part of the story. Deciding whether to buy a home depends on your personal goals and financial readiness.

• Your 5-Year Plan
• Your Income
• Your Credit Score
• Your debt-to-income (DTI) ratio

Your Next Move

While the U.S. housing market still faces challenges, 2025 offers real opportunities for prepared buyers. Mortgage rates are easing, sellers are more flexible, and new homes are adding variety to the market.

If your finances are in order, CONTACT US TODAY to see what options work for you.