Seasonal Downturn and Interest Rates = Opportunity Ahead?

Collin County remains a strong market.

We’re now in the usual seasonal downturn — fewer buyers in the fall/winter months, more homes staying on the market longer.

That’s normal. It gives all of us time to plan and prepare.

Interest rates remain elevated compared to the pandemic era, which has impacted demand. However, many economists suggest we may see some easing of rates in the coming quarters.

That creates an interesting “waiting opportunity”

If the Federal Reserve continues to reduce rates or signals a more dovish stance, buyer demand picks up.
Which means homes listed in late 2025 or very early 2026 could catch renewed momentum.

What to do now: Get ahead of the cycle!

This will help your position when the market gets active again.

Sellers: 

• Use this time to make sure your home is “show-ready”:
  • Cleaning, decluttering, staging
  • Take care of maintenance issues
  • Refresh curb appeal, 
• Recognize that you may have to allow a longer marketing time than in the fire-hot market of 2021-22 — but that’s okay; a stable sale is a good sale.
• Consider targeting a listing date in late winter/early spring (Q1 2026) to benefit from improving conditions.
• Work with your North Point Realty agent on strategic pricing. 
                                                  Small Home Repairs With Big Impact: Simple Fixes Increase Sales Price 

Buyers: 

• Do your homework! Connect with a Realtor you can trust and learn the process from a pro.
• Learn about mortgage options
  • Get pre-qualified so you’re ready when the rate window opens
  • Clean up credit issues
  • Assess your credit score and understand the impact
• Clearly define a wish list
  • Watch inventory and monitor listings.
  • Focus on value: With less price escalation, you may have more options.
  • Do your research and make casual visits to communities of interest.

First-Time Homebuyer: Gut Check + 9 Other Steps to Buying Your First Home

Be ready to act when rate relief and seasonal momentum align. As more homes come on the market, you’ll benefit from choice, but the best homes will still go quickly when momentum returns.

Why Collin County remains a strong market

Despite the cooling, Collin County continues to benefit from long-term fundamentals: strong job growth in the Dallas-Fort Worth region, quality school systems, and a desirable suburban lifestyle. These support demand and support home values.

Market snapshot Collin County Real Estate – Fall 2025

• Median sales price in Collin County was $449,795 in September 2025, down 0.05 % month-over-month.
• Median listing price was $509,900, no change from the prior year.
• Inventory supply homes for sale: 4.52 months, down by 2.80% from the previous month.
• Average days on market was 48, an increase of almost 20% from August.
• New listings down 9.9% over the previous month. 

This reflects a shift from a seller’s market toward more balanced — or in transition. That’s good news for both buyers and sellers.

Bottom line

If you’re thinking of selling or buying in Collin County, now is not the wrong time.

It’s a smart time to be ready.

The market has stabilized, giving both buyers and sellers more breathing room and less frantic competition.

With signals pointing toward potential rate relief and increased activity in Q1 2026, those who position themselves now will be ready to move quickly when the market shifts.

At North Point Realty, we’re here to guide you through the planning, timing, and
strategy to make the right move.

Who Represents You? Buyer and Seller Representation Basics →