The contradictions can be baffling. That’s because there is no monolithic real estate reality. Market conditions can differ from state to state, town to town, and even from one neighborhood to the next.
If the question is “how’s the market?” the answer is always going to be some version of “that depends” or “who’s asking?” Is it the first-time homebuyer hunting for a starter home, or the upper-income executive with the resources for a multi-million-dollar mansion?
With those variabilities to think about, we want to share a midyear snapshot of what’s been occurring across Northern Colorado’s four largest cities—comparing sales data from the first six months of 2025 to the same point in 2024.
Fort Collins: Overall activity is up sharply, while prices have softened slightly. Rising inventory means more options for buyers, but the pace of sales is healthy.
Loveland: Sales growth is modest, but the inventory gains are noteworthy. We see buyers benefiting from the extra choices, which places a greater burden on sellers to set the price right.
Windsor: Robust sales activity combined with healthy price growth paints a positive picture for Windsor. While inventory is up, it hasn’t yet outpaced demand, which keeps the market competitive.
Greeley: Even though sales totals are down from a year ago, the median price is trending up. Inventory is also higher, making conditions more competitive for sellers.
The takeaway
A common thread through all four communities is rising inventory, but the pace of sales varies – not just between the cities but also between price points. Demand is different for starter homes, move-up neighborhoods, and high-end estates. And in almost every scenario, sellers are under more pressure to be strategic in how they approach the sale, and who they work with to market their property.
Above all, it’s important to cast aside the national headlines and obtain insight from local real estate experts into what’s happening in your community.
