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Key Takeaways for Home Sellers
- If you price strategically and remain open to negotiation, now can be a good time to sell your home.
- Falling mortgage rates are bringing some buyers back into the market, even those previously priced out.
- Despite more sellers than buyers nationwide, competitive offers are still possible for well-prepared homeowners.
- Selling now could help you avoid potential price fluctuations caused by economic shifts, inflation, or a possible recession.
Should You Sell Your Home Now?
If you’re considering selling your home, you’re not alone. But with near-record housing costs keeping many buyers on the sidelines, it’s natural to ask: Is this really the right time to list?
The typical monthly mortgage payment hovers around $2,800, and home prices have been climbing steadily for more than two years. These high costs have frozen parts of the housing market, leaving buyers hesitant and prompting some sellers to delay listing their homes. Compounding the uncertainty are federal policies and ongoing economic volatility, including the government shutdown, which adds another layer of unpredictability.
This has created a unique market: more listings than buyers in many regions, giving potential sellers pause. So how do you know if now is the right moment to sell? Let’s break it down with current data and expert insights.
What Experts Say
Daryl Fairweather, Redfin’s Chief Economist, notes:
“Sellers should be prepared for a buyer’s market. Inventory is rising, giving buyers more choices, but high home costs are making them cautious. Falling mortgage rates haven’t fully brought them back yet. Homeowners who are ready to sell must approach negotiations strategically and be willing to price fairly.”
Understanding Today’s Housing Market
Here’s a snapshot of what sellers need to know about current trends:
Buyers Have the Upper Hand, Mostly
Across the country, there are roughly 500,000 more sellers than buyers. This oversupply means sellers need to remain flexible on pricing and open to concessions. While some homeowners are adjusting, others are delisting or delaying sales, which can, in turn, push prices slightly higher.
That said, trends vary by region. In the Midwest, markets like Milwaukee and Detroit still experience high demand and fast-moving sales, whereas many Sun Belt cities lean in favor of buyers, as homeowners weigh climate risks and rising insurance costs.
The Economy Remains Volatile
Home prices are high, and economists are monitoring inflation closely, particularly with evolving tariff and immigration policies. A slowing job market has helped bring mortgage rates down, which makes homes more affordable to some buyers. Currently, rates sit at a 12-month low, opening a window of opportunity—but uncertainty remains.
Chen Zhao, Head of Economics Research at Redfin, explains:
“Mortgage rates are declining, but homebuyers are still navigating an expensive market. Unless tariffs are removed, inflation is controlled, or a recession occurs, affordability and buyer activity may not improve substantially.”
When Is It Usually a Good Time to Sell?
Traditionally, spring has been the most active season for home sales. Buyers are more engaged, inventory is moving, and homes often sell faster. However, your personal circumstances and local market conditions often matter more than the calendar.
Signs it may be a good time to sell:
- Low housing supply: Fewer homes on the market can drive faster sales and higher prices, especially in regions where demand exceeds supply.
- Falling mortgage rates: Lower rates can attract buyers who were previously priced out, increasing competition and offering the potential for better offers.
- Personal necessity: Life events—such as a growing family, job relocation, or a desire to downsize—may make selling a priority regardless of market conditions.
Signs it may not be the ideal time:
- High mortgage rates: Elevated rates reduce buyers’ purchasing power, often resulting in fewer or lower offers.
- Recent refinancing: Selling shortly after refinancing can erase savings gained from lower interest rates once closing costs and fees are factored in.
- Home in need of repairs: A property that requires significant updates or maintenance may attract lower offers. Addressing key repairs before listing can maximize value.
Strategic Tips for Selling in Today’s Market
- Price competitively: Understand your local market and set a realistic, attractive price.
- Be open to concessions: Flexibility—whether it’s closing timelines, covering minor repairs, or offering incentives—can make your home more appealing.
- Work with an experienced agent: An agent who knows your market can highlight your property’s strengths, market it effectively, and help you navigate negotiations.
- Consider buyer affordability: Falling mortgage rates can help attract buyers, so pay attention to shifts in lending conditions.
Selling with a reputable agency, like Redfin, gives homeowners access to advanced marketing, pre-listing support, and local experts. Programs such as Rocket Preferred Pricing can also help sellers who plan to buy their next home.
Bottom Line
There is no universal “perfect” time to sell a home. Whether you’re relocating, downsizing, or aiming to cash in on equity, the decision comes down to a combination of personal circumstances and market conditions.
Today, with high prices, falling rates, and an oversupply of listings, sellers need strategy, flexibility, and guidance more than ever. By understanding your local market, pricing smartly, and partnering with a skilled agent, you can position yourself for a successful sale—even in an unpredictable market.