What Buyers, Sellers, and Investors Need to Know Right Now

As we hit the peak of summer, the national housing market is showing signs of steady movement—not the dramatic swings of years past, but a more balanced and strategic pace. Buyers are adapting, sellers are reentering, and investors are watching the data closely. Here’s what you need to know this month:

🔄 Mortgage Rates Are Holding, but Opportunity Lives in the Details

Interest rates remain relatively steady, fluctuating slightly between 6.5% and 7.2% depending on the loan product and credit profile. While many are hoping for significant drops, most experts agree we’re in a “higher for longer” environment.

💡 Smart buyers are working with lenders offering incentive programs like temporary buydowns, ARM options, and rate-lock guarantees.

🏠 Inventory Is Loosening, But Still Below Normal

Listing activity increased modestly in June and early July as more homeowners gain confidence in market stability and life events push moves that were previously delayed. But even with the uptick, inventory levels are still below the pre-2020 norm in many areas.

That means well-priced, move-in-ready homes are still getting attention—often with multiple offers.

💰 Home Prices Are Trending Up—Slowly and Steadily

National home values continue to rise 3–4% year over year, but the pace has cooled compared to the post-pandemic surge. Suburban markets and secondary cities are seeing the strongest appreciation, especially those benefiting from ongoing migration.

🏡 Affordability Remains a Challenge, but Buyers Are Adapting

Many buyers—especially first-timers—are adjusting their expectations around space, location, and loan structure. We're seeing increased interest in multi-generational living, house hacking, and FHA/Conventional 3-5% down products.

In some markets, rent vs. buy comparisons still favor ownership, especially with rising rents and long-term equity gains in play.

📈 Investors Are Getting More Strategic

The days of “buy anything and it’ll cash flow” are over. Investors are focusing on long-term holds, value-add opportunities, and markets with strong job and population growth. DSCR loans and creative financing options continue to support portfolio growth.

Short-term rental regulations and increased operating costs are causing some to reevaluate—but multifamily and build-to-rent models remain strong.

🔍 Final Takeaway: Clarity Is the New Currency

In this environment, knowledge and preparation matter more than ever. Whether you're a buyer planning your first move, a seller considering when to list, or an investor evaluating your next step—this market rewards those who show up informed and ready.

📲 Want to know what’s really happening in your area? Reach out. Real estate is hyper-local—and we’re here to help you move with confidence.