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🏡 Home Price Growth is Flattening—But the Northeast Is Heating Up

What Buyers Need to Know for 2025


📈 The real estate market is sending mixed signals in 2025. According to a new report by Cotality (formerly CoreLogic), U.S. home price growth is expected to flatten over the next year—but certain markets, especially in the Northeast, are defying that trend.

Cotality projects a 3.3% home price increase from January 2025 to January 2026, mirroring the growth seen in the prior 12 months. This signals a possible slowdown in appreciation across many U.S. regions. But for buyers in places like Western New York and Connecticut, prices are showing no signs of slowing down.


🐷 RSL Piggy Points: What This Means for You


  • 🐷 Flat isn’t falling: A 3.3% national increase still means homes are getting more expensive—just at a slower pace.

  • 🐷 Hot spots are shifting: Cotality's "Top 10 Hottest Markets" are largely in the Northeast, with seven in just Connecticut and Western New York.

  • 🐷 Florida cools off: Cities like Fort Myers and Sarasota top the list of "coolest" markets, where price growth is slowing significantly.

  • 🐷 Affordability remains tight: With the median home price at $375,000, buyers need an estimated $83,400/year income to afford the average home.


🌸 Spring Season Could Stir Demand


Cotality’s Chief Economist Selma Hepp explains the market’s plateau is largely due to tepid buyer demand and low consumer confidence—but there’s a silver lining.

“Falling consumer sentiment suggests potential homebuyers are wary of the short-term economic outlook and future inflation. Nevertheless, with the spring homebuying season upon us, the recent improvements in mortgage rates may help invite homebuyers back into the market.” — Selma Hepp, Cotality

Translation? As mortgage rates improve, we may see more buyers re-enter the playing field—especially those who’ve been sitting on the sidelines.


🏁 The RSL Perspective


At ReadySetLoan, we see this flattening trend as a unique opportunity for smart, prepared buyers. While many are hesitant, those who understand the data and act decisively can still win—especially in cooler markets like Florida, where prices are stabilizing.

If you're considering a home purchase in 2025, now’s the time to assess your readiness:

  • Have you checked your borrowing power?

  • Are you monitoring rate shifts and local market trends?

  • Have you partnered with a mortgage guide who can help you navigate?


That’s where we come in.


🎯 Ready to make your move?

Let ReadySetLoan be your expert guide across the homebuying finish line. From affordability strategies to local market insights, we’re here to help you stay informed and empowered.


🏡 Your race. Your pace. Your loan. Connect with us at ReadySetLoan today.





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