Your 2025 Market Update & What to Expect in 2026 🏡

As we move through 2025, I wanted to share a quick update on what we’re seeing in the real estate market here in Northern Kentucky and the Greater Cincinnati area, along with what experts predict as we head into 2026. Whether you’re thinking about buying, selling, or simply staying informed, having a clear picture of the market can help you plan ahead confidently.

2025 Market Highlights in Northern Kentucky & Greater Cincinnati

So far this year, the market in Northern Kentucky and Greater Cincinnati has been shaped by a few key trends:

Home Prices:
Prices have seen a steady rise, driven largely by limited inventory and consistent buyer demand, especially for move-in-ready homes and well-located neighborhoods.

Interest Rates:
Mortgage rates have been stabilizing, generally hovering in the mid-6% range, with some fluctuations depending on lender, credit profile, and loan type.

Inventory:
We’ve experienced low to moderate inventory, which continues to favor sellers, though buyers are seeing slightly more options compared to earlier in the year.

Buyer Activity:
Buyer interest has remained steady, particularly in areas such as Florence, Covington, and Fort Mitchell, where proximity to Cincinnati, highway access, and established neighborhoods continue to drive demand.

Looking Ahead: What to Expect in 2026

Early forecasts for 2026 suggest:

• Interest rates may gradually decrease or become more favorable as inflation continues to cool and the economy stabilizes.

• Home prices are expected to grow modestly, with appreciation slowing compared to recent years.

• Inventory could improve as more sellers enter the market and new construction adds options, particularly in surrounding suburban areas.

• Buyer demand may strengthen if affordability improves, though competition is still likely in well-priced, desirable homes.

Overall, 2026 is expected to bring a more balanced market for everyone, offering opportunities for both buyers and sellers depending on timing, pricing, and location.

What This Means for You

Whether you’re considering making a move next year or simply staying informed, it’s a great time to:

• Review your real estate goals

• Explore financing or refinancing options

• Watch how the market shifts over the next few months

If you’d like a more personalized update for your neighborhood or property type, I’d be happy to put that together for you.