If you’ve been watching the real estate market in 2025, you know it’s been a rollercoaster. Interest rates have eased slightly compared to last year, but affordability is still top of mind for many buyers — especially here in Southern California. With fall approaching, you might be asking: Is this the right season to buy a home, or should I wait?
The truth is, timing matters. Here’s a breakdown of the pros and cons of buying in fall 2025 so you can make a smarter move.
The Pros of Buying This Fall
1. Less Competition
Spring and summer are the busiest homebuying seasons. By fall, many buyers who were active earlier in the year have already purchased — which means fewer bidding wars and less pressure to overpay.
2. Motivated Sellers
Sellers listing in the fall often have a reason: relocation, financial change, or wanting to close before the holidays. That urgency can translate to better negotiations, closing cost credits, or price flexibility.
3. More Room to Breathe
With fewer buyers swarming open houses, you’ll likely have more time to tour, think, and make informed offers without rushing.
4. End-of-Year Tax Benefits
Closing before December 31st allows you to deduct mortgage interest, property taxes, and in some cases points paid, giving you a tax break for 2025.
The Cons of Buying This Fall
1. Limited Inventory
Fall tends to have fewer new listings compared to spring and summer. That means less selection — you may need to compromise on your wish list.
2. Slower Closing Timelines
Between holidays, lender schedules, and shorter daylight hours, inspections and appraisals may take longer.
3. Future Rate Uncertainty
Yes, rates have come down slightly. But they’re still higher than the 3–4% range buyers remember from pre-2020. Waiting until 2026 could bring lower rates — or not. There’s risk in either direction.
4. School-Year Logistics
If you’re a family with kids, buying in fall might mean moving mid-semester, which can be disruptive.
Bottom Line
Buying a home in fall 2025 comes down to priorities. If you value less competition and motivated sellers, this season could work in your favor. If having more choices and potentially lower rates matters most, waiting until spring might make sense.
The smartest approach? Get pre-approved now so you’re ready to act if the right home comes up. That way, you’re not buying just because of the season — you’re buying because it’s the right fit for you.
Thinking about making a move this fall? Reach out anytime and I’ll help you weigh the options based on your goals.
