Q3 2025 Investor Briefing | Northern Colorado Residential Real Estate

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

Executive Summary | Kelly McBartlett

Northern Colorado, centered around Fort Collins, is consistently recognized as an exceptional place to live, work, and raise a family. Located an hour north of the Denver Metro Area and near Rocky Mountain National Park, Estes Park, Longmont, Loveland, Timnath, and Berthoud, the region continues to reflect economic balance and lifestyle appeal. The area typically experiences steady home-price appreciation, often avoiding the sharp swings seen elsewhere—and we’re continuing to see that same stability through Q3 2025.

Transaction Volume on Pace: Across the region, Q3 2025 closed with 2,876 homes sold—virtually flat (-1%) compared to 2024’s 2,898 sales. Fort Collins led with a 5% gain in closed transactions, while Loveland rose 8%, both supported by slightly lower interest rates and a broader selection of available inventory.

Inventory Up: The number of homes for sale increased roughly 23% year-over-year across Northern Colorado—the highest level of active listings since 2019. That inventory growth has given buyers more options and created a healthier market rhythm, though some communities with larger expansions (Estes Park +42%) are seeing longer days on market.

Prices Stable & Slightly Up: Despite expanded inventory, prices remain firm. Average single-family homes in the region rose 2% to $637,229, and attached homes gained 1% to $410,442. Berthoud (+4%) and Timnath (+10%) led price growth while Estes Park (-5%) adjusted as supply normalized. Fort Collins held steady at $712,739, a sign of healthy equilibrium.

Luxury Homes Show Mixed Results: The top 5% of the market remains divided. Timnath’s tight inventory (4.6 months) and 10% price increase reflect continued upside, while Fort Collins’ luxury segment maintains momentum with stable absorption rates. In contrast, Estes Park (7.1 months of inventory) and Boulder (5.4 months) favor buyers willing to negotiate. Recent top sales included a $3.15 M home in Estes Park, a $2.5 M sale in Longmont, and an $8.5 M sale in Denver.

What We’re Telling Our Clients Now: With mortgage rates hovering around 6% and the broadest inventory in half a decade, now is a strategic moment for buyers to enter the market ahead of anticipated 2026 competition. Sellers benefit from steady demand and price stability, particularly when listings are positioned and presented with care. Our team continues to guide clients through a market defined by balance and opportunity—one that rewards timing, preparation, and insight.

MCM Collective is a full-service team serving the Northern Colorado region with five selling agents, a Creative Director, and an Executive Assistant. We’re here to help when you need us.

Comprehensive Market Analysis

Market at a Glance (Q3 2025 vs Q3 2024)

Source: IRES MLS | Rolling 12-Month Average

Sector Insights

Investment

Where to Watch: Berthoud (+9% inventory, +4% prices); Loveland (+8% sales, +3% prices); Windsor (+9% sales, +4% inventory).
Trend: Inventory growth is creating entry points for patient investors as pricing levels off. Rental demand remains strong in Fort Collins and Loveland due to education and aerospace employment hubs.
Tactic: Focus on mid-term hold assets in Loveland and Berthoud; monitor Windsor for rental yield potential.

Legacy Buyers & Sellers

Where to Watch: Fort Collins (+5% sales, flat pricing $712 K, 3.3 months inventory); Boulder (+4% sales, 1% price growth); Longmont (+2% sales, +19% inventory).
Trend: Inventory growth offers long-desired flexibility for legacy transitions without eroding equity.
Tactic: Plan Q4 2025 or early 2026 moves to capitalize on selection before competition rises.

Luxury Market

Where to Watch: Timnath (+10% price, 4.6 months inventory); Fort Collins (stable luxury absorption); Estes Park (-5% price, 7.1 months inventory).
Trend: Lifestyle-rich and architecturally distinct properties continue to outperform. Broader luxury inventory is normalizing days on market.
Tactic: Buyers should prioritize unique design and privacy; sellers should emphasize presentation and storytelling in marketing.

Relocation Buyers

Where to Watch: Fort Collins and Loveland remain anchors for relocators; Berthoud and Timnath offer new-build value; Longmont continues to benefit from commuter access to Boulder-Denver.
Trend: In-migration from California and the Pacific Northwest persists, driven by remote work flexibility and quality of life.
Tactic: Frame homes as lifestyle investments — focus on community features and regional connectivity.

Expanded Regional Performance (Q3 2025 vs Q3 2024)

Source: IRES MLS | Rolling 12-Month Average

Strategic Takeaways

Conclusion

Q3 2025 underscores Northern Colorado’s standing as one of the nation’s most stable and strategically sound real estate markets.
While national headlines focus on cooling momentum, this region continues to show balance, discipline, and long-term value. Inventory is up, prices are steady, and demand remains rooted in lifestyle and livability rather than speculation.

For buyers, this is a moment to act with confidence; for sellers, a time to capitalize on visibility before spring’s competitive return. In Northern Colorado, the market isn’t shifting—it’s maturing.

MCM Collective remains your trusted advisor in navigating that next move—where luxury, legacy, and investment intersect.