Winter Will Bring a Flurry of Activity to the Housing Market

The second half of 2025 saw the housing market surge with activity, and experts are predicting that the momentum will continue into the winter season. Far from the typical slowdowns this time of year, the forecast looks strong for both buyers and sellers.

As Lawrence Yun, Chief Economist at the National Association of Realtors (NAR), explains:

“It will be one of the best winter sales years ever.”

Low Mortgage Rates Are Driving Buyer Demand

Mortgage rates remain historically low, though experts warn they won’t stay this low forever. This creates a sense of urgency among homebuyers who want to lock in the best possible rates.

• In 2025, 30-year fixed mortgage rates have hovered around the low-6% range, offering buyers more purchasing power than earlier in the year.

• Bankrate notes that while rates are expected to remain manageable, opportunities for extremely low rates have passed, making this a strategic time to buy.

As long as rates stay favorable, buyer demand remains strong. Yun adds:

“The demand for home buying remains super strong…With persistent low mortgage rates and ongoing jobs recovery, more contract signings are expected in the near future.”

Limited Inventory Keeps the Market Competitive

The main challenge in today’s market isn’t a lack of buyers — it’s a lack of homes for sale. With inventory low, sellers have a unique advantage this winter.

Danielle Hale, Chief Economist for realtor.com, explains:

“We currently see buyers sticking around in the housing market much later than we usually do this fall. If that trend continues, we will see more buyers in the market this winter, too. So, this winter is likely to be a good time to sell.”

Sellers who list now could capture more motivated buyers and close deals on favorable terms — without waiting for the traditional spring rush.

Bottom Line

Experts agree: the winter housing market in 2025 could be stronger than ever.

• For buyers: Lock in competitive mortgage rates before they rise and take advantage of ongoing market activity.

• For sellers: List your home now to capitalize on motivated buyers and low inventory.

Whether you’re ready to buy, sell, or both, now is the perfect moment to make your move and start the new year in your dream home.

Finding ways to make your credit score better could help you get a lower mortgage rate. When you’re ready to get the process started, let’s connect.