Real Estate & Construction  July 2, 2025

Wells: The most normal market in more than a decade

This may not be the most popular opinion among real estate professionals, buyers, or sellers, but this is the most normal the market has felt since sometime around 2011. The dynamic pace of change in housing since the Great Recession has created expectations that have fundamentally shifted consumer psychology about how residential real estate markets operate.

Today’s market presents opportunities for both buyers and sellers. Let me explain:

For the first time in the past two years, we are seeing more stability in mortgage rates. A more predictable rate environment is helping improve buyer confidence and providing greater clarity as consumers step into the homebuying process. While many still feel rates are higher than they would prefer, the consistency has contributed to stronger demand compared to 2024.

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Contrary to what many might believe, housing demand remains strong. Through mid-June, single-family home sales in Fort Collins are up 11.5% year-over-year. Loveland is relatively flat, up 0.7%. Windsor is up 11%, and Greeley is down 6%. Greeley tends to be more sensitive to interest rate changes because it has fewer cash transactions and a higher proportion of first-time homebuyers due to its lower median home prices.

There are still meaningful opportunities for sellers, especially those who are finding the right balance between their two biggest concerns: the fear of the home not selling and the fear of leaving money on the table. Inventory has increased across the region. Fort Collins is up 20%, Loveland 55%, Windsor 21% and Greeley 40%. While some sellers worry about underpricing, many are also facing increased competition. This is placing more emphasis on pricing homes appropriately to ensure a sale.

Do not be misled into thinking the market is stagnant. There continues to be opportunity for sellers who approach the market with thoughtful pricing and timing strategies based on current conditions.

And finally, remember that a rising tide lifts all ships. If you are both buying and selling in the same market, you will likely either sell high and buy high, or sell low and buy low. Do not get caught in the trap of trying to time the market perfectly. Focus instead on what makes the most sense for your personal situation.

Brandon Wells is president of The Group Inc. He can be reached at bwells@thegroupinc.com or 970-420-6550.

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