The US real estate market presents an attractive window of opportunity for buyers looking to close a purchase before the end of 2025. After a period of high volatility, year-end trends indicate a more favorable outlook, although the key to success remains personal finances and local strategy.
Two main factors are easing the pressure on buyers: moderating mortgage rates and increasing housing inventory.
The idea of owning a home has become increasingly difficult in recent years, however, at the end of 2025 there is a good opportunity, as long as certain precautions are taken and all the information is known, which we leave you below in MARCA.
The change in mortgage rates
After reaching record highs in 2024 (close to 7.79% in October 2023), interest rates have relaxed considerably. In early November 2025, the average 30-year fixed mortgage rate stood at 6.22% (according to Freddie Mac).
The Federal Reserve (Fed) already implemented a 0.25% cut in October and there is speculation of a further cut in December, which could further reduce mortgage rates, which tend to follow the yield on 10-year Treasury bonds.
Experts advise against trying to “guess” the market, but rather to compare quotes from multiple lenders on the same day and ask about options such as floating down to lock in a lower rate if the market falls before closing.
Housing supply is growing in the United States
The phenomenon of the “rate lock-in effect” is easing. Housing supply is growing, giving buyers more bargaining power and new opportunities in terms of supply and demand.
- Existing homes: Inventory reached 1.55 million homes in September 2025, a 14% increase from the previous year.
- New homes: The new home market is overflowing, with 9.2 months of supply. This motivates builders to offer incentives such as closing cost credits and temporary interest rate reductions.
Is 2025 a good year to buy a house?
The context for deciding whether or not to buy a house depends more on the personal financial situation than on the year or date in which it is done. However, the fact that rates have remained below 7% is a good indicator to take the plunge.
In addition, with respect to prices, these are not falling nationwide and the rate of increase has slowed. Growth is much slower than in previous years, so it is also important to take this into consideration.