September 23, 2025

Summer to Fall Kickoff to Year-End Planning (Part I of III)

Entering the fall season, the U.S. Real Estate market shows clear signs of rebalancing. Higher inventory levels are giving buyers more options, though mortgage rates and affordability pressures still shape the pace of activity.

Home Prices & Listings:

Median list prices remain stable year over year, hovering around $440K (+0.5%), despite regional divergence. The West is down 0.8%, the South down 0.6%, while the Northeast posted slight gains (Realtor.com).

Inventory continues to climb. Active listings rose 25% year-over-year, marking the 21st consecutive month of growth, and recently topped 1 million listings, reaching post-pandemic highs, even as supply remains ~13% below pre-2020 norms (Realtor.com; New York Post).

Homes are spending more time on the market, with a median of 58 days, up 7 days versus last year (Realtor.com).

Mortgage Rates & Sales Trends:

Mortgage rates, while easing, remain elevated, fluctuating in the 6.6%–6.9% range through Q2 (Freddie Mac).

Existing-home sales slipped 2.7% in June to a seasonally adjusted annual rate of 3.93 million, with inventory increasing to 1.53 million units (a 4.7-month supply) and a record-high median sales price of $435,300 (+2%) (National Association of REALTORS®).

🔜 Coming Up Next

In Part II, we’ll break down Demand and Market Dynamics. You’ll learn who’s buying, how builders are responding, and why NOW may be the smartest time to purchase if you know how to negotiate seller incentives, rate buydowns, and first-time homebuyer programs.

Then in Part III, we’ll explore Economic and Policy Influences shaping the Southwest market, from federal housing proposals to local affordability measures, and how these broader forces may impact buyers and sellers heading into 2026.

Your Concierge of Good Deeds
Sources

  1. Realtor.com. U.S. Housing Market Trends, July 2025 Update.
    https://www.realtor.com/research/july-2025-data/

  2. Investopedia. Buying a Home in These 11 US Cities Got More Affordable in 2025—Here’s Why.
    https://www.investopedia.com/buying-a-home-in-these-11-us-cities-got-more-affordable-in-2025-here-s-why-11794670

  3. Freddie Mac. Primary Mortgage Market Survey Archives.
    https://www.freddiemac.com/pmms/pmms_archives

  4. New York Post. U.S. Home Sales Drop in June, Even as Housing Inventory Hits Post-Pandemic Highs.
    https://nypost.com/2025/07/23/real-estate/us-home-sales-drop-in-june-even-as-housing-inventory-hits-post-pandemic-highs/

  5. National Association of REALTORS®. Existing-Home Sales – June 2025 Report.
    https://www.nar.realtor/newsroom/nar-existing-home-sales-report-shows-2-7-decrease-in-june

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