Fall 2025 Housing Market Check-In: What Buyers & Sellers Should Know

By This Girl Sells Houses Team – ERA Real Solutions Realty

As the leaves change in Northern Kentucky and Greater Cincinnati, so does the real estate market. Mortgage rates have been moving, inventory remains tight, and buyers are still adjusting to new economic signals. Here’s a quick pulse check to keep you informed.

 Market Snapshot

• Mortgage Rates: After the Fed’s recent cut, 30-year fixed rates are hovering near 6%—a level we haven’t seen in nearly three years.
• Inventory: Northern Kentucky is still experiencing fewer listings than normal for fall. That means homes priced right are moving quickly.
• Local Demand: Relocations and first-time buyers continue to fuel demand, especially in the $250K–$400K range.

 What It Means for Homeowners and Buyers

Sellers

• Lower mortgage rates are motivating more buyers to step off the sidelines.
• If you’re thinking about listing this fall, highlight move-in-ready features—buyers want turnkey homes before the holidays.
• Pricing strategically remains key. With multiple offers back in play in some areas, the right price attracts attention fast.

Buyers

• Affordability just improved with the rate cut. Your monthly payment goes further than it did over the summer.
• Be prepared: homes in desirable neighborhoods are still selling quickly. Having your financing ready is essential.
• Consider homes that may need light updates—those are less competitive and often offer more room to negotiate.

 Final Takeaway

The fall season brings opportunity for both sides of the table. Whether you’re selling a family home in Fort Thomas, buying your first place in Florence, or eyeing land in DeMossville, this market rewards readiness and smart strategy.

If you’ve been waiting for “the right time” to make a move, this fall may just be it.

 Reach out today to talk through your options: www.ThisGirlSellsHouses.net