Q2 2025 Investor Briefing | Northern Colorado Residential Real Estate

Presented by MCM Collective | Sectors: Investment | Legacy | Luxury | Relocation

Executive Summary

Northern Colorado, consistently lauded nationwide as an exceptional locale for living, working, and raising a family, is anchored by Fort Collins (recently named the most peaceful place to live in the US by Travel + Leisure) and boasts proximity to natural attractions like Rocky Mountain National Park, as well as vibrant communities including Estes Park, Longmont, Loveland, Timnath, and Berthoud. Positioned approximately one hour north of the Denver Metro Area, the region typically experiences consistent home price appreciation and generally demonstrates resilience against housing market downturns. We dive into the trends to take a comprehensive look at the Northern Colorado real estate market as of the close of Q2 2025, offering valuable insights as we approach Q3. Sales & Prices Keep Pace: With prices staying at similar levels to this time last year and sales rates remaining relatively unchanged, although up slightly, the market in the region like much of the country has seen similar levels of buyer demand this year versus 2024. Inventory has risen but is still low from a historical perspective. Some price changes to note: that average sales price in Fort Collins is exactly flat from 1 year ago; Berthoud (a small town north of Denver, but south of Fort Collins) is up 4%. At the same time, the number of homes sold is up 6% in Fort Collins, while Estes Park (a vacation destination sitting at the foot of Rocky Mountain National Park in the mountains) is up 15%.  Inventory & Months of Supply Increasing: Also reflective of the nation, Inventory and Months of supply are up in the Northern Colorado Region, averaging a 37% increase in inventory YoY. Some cities saw larger increases like Estes Park up 71% YoY, while others saw smaller increases like Fort Collins with a 28% increase. Similarly, Estes Park’s Months of Supply increased to 7.1 Months, while Fort Collins only increased to 2.7 months. Luxury Market Strength: The top 5% of the market showed wider variability: Loveland is up 75% in active luxury listings, for instance, indicating an opportunity for buyers. On the other hand Timnath saw the number of active luxury listings decrease substantially, which seems to have also led to lower sales volume, indicating an opportunity for sellers on the fence to take advantage of lower inventory levels.. Sales volume was also down in Longmont by 44%. A Window of Opportunity for Buyers and Sellers: Savvy buyers who are ready to make a move ahead of stronger consumer confidence or decreasing interest rates (which will create more buyer competition and escalating home prices) and secure a home in most markets, from a first home to a dream home. For sellers who aren’t yet on the market, as the market begins to see homes withdraw and inventory decreasing as we approach the fall, a window of opportunity exists to capitalize on higher home equity levels while other sellers are on the side lines; making your home stand out with unique marketing, special home value propositions and a focus on being “move-in-ready” is critical.

Market at a Glance (Q2 2025 vs Q2 2024)

Sector Insights

Investment

Where to Watch:

• Berthoud: +22% sales, +47% inventory; 4.7 months of supply suggests a balanced market with potential for strategic entry.

• Loveland: +7% sales, +44% inventory, +4% price growth—signals healthy absorption and upside potential.

• Windsor: +7% sales, flat pricing (-2%) amid +25% inventory increase.

Trend: Inventory growth is creating targeted acquisition opportunities. Modest but steady appreciation provides a hedge against volatility, particularly in younger, infrastructure-expanding markets.

Tactic: Prioritize assets in Berthoud and Loveland for mid-term appreciation and rental yield. Monitor Windsor for value buys that can benefit from community growth.

Legacy Buyers & Sellers

Where to Watch:

• Fort Collins: +6% sales, stable pricing ($712K avg), tight 2.7 months of inventory.

• Boulder: +15% sales, +2% pricing; still commands prestige but with longer absorption periods (5.7 months).

• Longmont: +4% sales, +32% inventory, +1% pricing—favorable for equity-rich sellers and selective downsizers.

Trend: Legacy transitions benefit from expanded choice without sharp pricing declines. Core cities like Fort Collins remain competitive, while inventory expansion in Longmont offers breathing room for thoughtful repositioning.

Tactic: Plan late-2025 or early-2026 transitions to leverage both market stability and greater selection.

Luxury Market

Where to Watch:

• Evergreen: +14% sales, +59% inventory, +8% price appreciation; strong lifestyle premium.

• Timnath: Luxury segment buoyed by +11% overall price growth despite -13% in total sales.

• Estes Park: +15% sales, -1% price change, 7.1 months of inventory—an emerging buyer’s market.

Trend: The luxury sector continues to bifurcate—architecturally significant and lifestyle-rich properties command premiums, while generic offerings linger.

Tactic: In high-inventory luxury markets like Estes Park, negotiate from strength. Focus acquisitions on properties with unique design, privacy, or irreplaceable viewsheds.

Relocation Buyers

Where to Watch:

• Fort Collins: Stable prices and low months of supply make it a “safe bet” for quality-of-life relocators.

• Berthoud & Timnath: Inventory-rich and family-friendly with new-build availability.

• Longmont: Expanding inventory and proximity to Boulder-Denver corridor enhance appeal.

Trend: Relocators from higher-cost metros arrive with both cash and patience. Increased inventory allows them to prioritize lifestyle alignment over urgency.

Tactic: Position communities as lifestyle brands—highlighting schools, open space, and amenity access.

Expanded Regional Performance (Q2 2025 vs Q2 2024)

Strategic Takeaways

Conclusion

Q2 2025 reinforces Northern Colorado’s position as one of the country’s most stable and strategically attractive housing markets.
While national headlines highlight slowing momentum, the data here shows measured growth, selective competition, and an investor-friendly environment.

This is not a speculative upswing—it’s a deliberate, fundamentals-driven market.
And in deliberate markets, those with insight and timing will lead.