Is It Still a Good Time to Buy a Home in 2025?
Thinking about buying a home this summer but wondering if it’s still a good idea? You’re not alone. Many buyers in Sacramento County are questioning whether to jump in now or wait. Here’s what you need to know to make the best decision for your goals.
After months of fluctuating mortgage rates, we’re finally seeing signs of stabilization. As of early July 2025, rates are hovering around the mid-6% range for well-qualified buyers. While this is higher than the historic lows of 2021, it is still lower than rates from decades past, and experts predict rates could remain in this range through the end of the year.
🔑 What this means for you: Buying now locks in your housing costs before rates potentially climb again, while renting leaves you at the mercy of rising rents in Sacramento County.
Over the last few months, inventory in Sacramento County has been slowly increasing, giving buyers more options and slightly less competition compared to the hyper-competitive market of 2021-2022.
For example:
Sacramento County active listings in June 2025 were up 12% year-over-year.
Days on market has slightly increased to an average of 27 days, allowing buyers more breathing room to tour and decide.
🔑 Local insight: Areas like Elk Grove, Rosemont, and Citrus Heights are seeing new listings each week, while higher-priced neighborhoods such as East Sacramento remain competitive but balanced.
Unlike the steep appreciation of the past few years, home prices have leveled off, providing more predictability for buyers.
In Sacramento County:
Median home price in June 2025: $540,000
This is up just 2% from last year, reflecting market stability rather than volatility.
🔑 What this means for you: Buying in a steady market reduces the risk of overpaying, and as home values continue their modest upward trend, you begin building equity sooner.
If you’re financially ready, now remains a smart time to buy in Sacramento County. Waiting for prices to drop or rates to return to historic lows could cost you more in the long run. Plus, owning your home protects you from unpredictable rent increases and allows you to start building wealth through equity.
I’d love to help you navigate your options in today’s market. Let’s create a personalized strategy to buy your next home confidently and within your budget.
👉 Call or text me anytime at 209.747.4177 or visit belindamills.com to get started today.
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