Real Estate In Perspective: October 2026

More Choice, Fewer Closings, Steady Prices: Northern Colorado Meets a 7% Mortgage Market

The MCM Collective | Northern Colorado, Boulder Valley and Denver Metro Market Report | Data through October 2026

Market at a Glance | November 2026

By Kelly McBartlett

October gave Northern Colorado buyers something they have not had in a few years: room to choose. Homes for sale are up across most of our market, closings slowed meaningfully compared with last October, and prices barely moved. Here is what that means for you.

Inventory keeps building. Northern Colorado ended October with 4,006 homes for sale, up 16% from 3,443 a year ago. Larimer County led the way at 2,136 homes (up 20%), with Weld County at 1,870 (up 12%). The sharpest move was Berthoud, where 211 homes were on the market against 117 last October. Timnath was the one exception, with 93 homes for sale, down from 108.

Fewer closings, more time to decide. Sales slowed more than inventory grew. Northern Colorado recorded 700 closed sales, down 24% from 917. Larimer County closed 359 homes against 477, and Fort Collins closed 151 against 205. Months of inventory now sits at 4.35 for Northern Colorado, up from 3.55, and Fort Collins moved from 3.0 to 3.7 months. Berthoud (6.9 months) and Estes Park (7.8 months) are running the most supply of any market we track. Our read: this is a market where preparation and pricing matter far more than they did a year ago.

Prices are holding steady. More choice has not translated into discounting. The rolling 12-month average for a single-family home in Northern Colorado is $633,136, within 1% of last year. Larimer County is essentially flat at $696,701. Fort Collins single-family homes average $742,582, up 3%, and Timnath averages $897,486, up 1%. Attached homes in Timnath averaged $585,703, up 5%. Buyers have more leverage on terms and timing; sellers who price to the current market are still being rewarded.

The upper end is selective. Above $1.15 million, Larimer County closed 19 homes in October against 34 last year, yet the average sale price rose 7% to $1,734,127. Fort Collins closed 10 homes in that tier against 17. Berthoud tells the clearest story: 62 homes for sale at $1.15 million and above, up from 38, with 14.2 months of supply. In Boulder, the $4 million-plus tier closed two homes in October, the high sale reached $8.8 million, and supply sits at 26 months. High-end sellers are succeeding with precise pricing and discreet, well-targeted marketing rather than waiting for volume.

Our neighbors tell a similar story. Boulder County has 1,496 homes for sale (up 6%) with 301 closings (down 22%). Denver Metro has 10,306 homes for sale (up 10%) and 2,029 closings against 2,728 last October. The pattern is the same up and down the Front Range: more inventory, slower pace, steady pricing.

For buyers. You have more homes to compare and more time to negotiate. Inspection terms, closing dates, and seller concessions are all back on the table, and the best homes in each neighborhood are still moving. If you have been waiting for a calmer market, this is a strong window. We are happy to map out which neighborhoods give you the most leverage right now.

For sellers. Buyers are choosing carefully, so first impressions and price carry the weight. With months of inventory above four in much of our market, the homes that sell fastest are priced to the current data rather than last spring's. We would be glad to pull a no-pressure analysis of your home and walk you through the strategy. Utilizing all of our proprietary buyer and seller technology, strategy and marketing systems, we're on your side to create success. Feel welcome to contact us to discuss your situation.

The Short Version

October was the month the demand side of the housing story became hard to ignore. Four things define it:

• Closings fell faster than inventory rose. Northern Colorado recorded 700 closings, down 24% from 917, while homes for sale rose 16% to 4,006. Months of inventory moved to 4.35 from 3.55. Denver Metro followed the same script: 2,029 closings (down 26%), 10,306 homes for sale (up 10%), and 3.92 months of inventory against 3.34.
• Prices held, with a widening gap beneath the surface. The Northern Colorado single-family average was $633,136 (down 1%), and Denver Metro's $787,428 was flat. Attached and condo pricing continued to soften: down 4% in Northern Colorado, 9% in Boulder, and 10% in Windsor.
• Luxury is a market of pockets, not a market. At $1.15 million and above, Northern Colorado closed 30 homes (down 35%) for $50.5 million (down 33%), yet the average sale price rose 2% to $1,662,746. Months of supply sits at 7.4, against 4.35 for the market overall.
• The national backdrop stayed restrictive. Mortgage rates ran between 7.24% and 7.40% all month, the Fed held at 3.75%-4.00% with two members preferring a hike, and the national pending home sales index set a record low for September. We address how this may reach the Front Range below.

The National Picture: What Happened in October 2026

A local report is only useful when read against the forces acting on it. A note on timing: NAR's October existing-home sales report had not been published when this report went to press, so our national comparisons draw on NAR's September data (released October 13), NAR's September pending sales (October 20), Realtor.com's October report (November 4), Freddie Mac's weekly survey, and the Fed's October meeting.

The Fed held, with a hawkish tilt. On October 28, the FOMC voted to leave the federal funds target range at 3.75%-4.00%, with two dissents from officials who preferred another quarter-point increase. The hold followed September's quarter-point hike, the first increase since 2023. Market pricing at the time pointed to one more 25-basis-point hike before year-end, with the September projections showing most officials expecting a year-end range of 4.1% to 4.4%. The next decision arrives at the December meeting.

Inflation re-accelerated, and long rates followed. September CPI rose 0.6% on the month and 3.7% over the year, up from 3.4% in August, with core inflation edging up to 2.6%, and gasoline explained much of the headline jump. Mid-month, the 10-year Treasury yield sat near 5.2% and the 30-year near 5.5%. Mortgage rates tend to follow the 10-year, which is why a Fed that is merely holding can still coexist with mortgage rates near 7.3%.

Mortgage rates peaked early and eased late. Freddie Mac's 30-year fixed average was 7.28% on October 1, up from 7.03% the previous week, then 7.40% on October 8, against 6.30% a year earlier. It held at 7.40% on October 15, slipped to 7.32% on October 22, and fell to 7.24% on October 29, the lowest reading of the month. The 15-year fixed ended the month at 6.60%.

To make that concrete: on a Larimer County single-family home at the $696,701 rolling average price, with 20% down, principal and interest at 6.30% (roughly last October's level) is approximately $3,450 per month. At the 7.40% peak it is approximately $3,859, or about $409 more (roughly 12%), for an identical house. At October's closing rate of 7.24%, the figure is approximately $3,798. Illustrative only, excluding taxes, insurance and mortgage insurance.

Contracts, the leading indicator, fell to a record low. NAR's Pending Home Sales Index for September dropped 7.3% from August to 66.0, its weakest reading since the series began in 2001, and was down 11.3% from a year earlier. Because contracts typically close one to two months later, this is the figure most relevant to our October and November closing counts.

Closed sales were near a cyclical low, with prices still edging up. NAR reported that September existing-home sales rose 1.5% from August to a seasonally adjusted annual rate of 3.99 million, while the median price climbed 1.3% year over year to $417,500. That is 2.2% below a year earlier, and NAR's chief economist noted that August and September were the two slowest months for home sales this year. Supply stood at 4.8 months, against 4.5 a year earlier, with inventory of 1.60 million homes, up 4.6% year over year, and the highest level since November 2019. In the West, sales were down 5.2% year over year and the median price was $613,600, down 0.3%. NAR's economist suggested that higher inventory and longer days on market give buyers more negotiating power, and that sellers may need to price realistically and consider incentives.

Prices are rising, but more slowly than inflation. The S&P Cotality Case-Shiller National Index rose 2.1% annually in August (from 1.9% in July), and with inflation at 3.4% that marked the 15th consecutive month of decline in real terms. The FHFA index showed a 2.4% annual gain. Regional dispersion was wide: Chicago led the 20 cities at 6.7%, followed by New York at 6.2% and Cleveland at 4.3%, while Seattle fell 2.0%. With September CPI now at 3.7%, the real-terms gap may have widened again, though we will not know until the next release. The national story is less "prices are falling" than "prices are not keeping pace."

Sellers listed less and mostly stayed put. Realtor.com's October report showed active listings of 1,183,500, up 7.4% year over year, while new listings fell 7.5% to 357,000, the steepest annual decline of 2026, and homes under contract fell 10.5% year over year. Delistings accounted for 4.4% of active listings, against 4.6% a year earlier. The national median list price fell 2.2% to $415,000, the 12th consecutive annual decline, and more than one in five active listings carried a price cut, the highest October share since 2022. In the West, active listings rose 9.0%, new listings fell 10.8%, and the median list price was $589,000, down 1.7%. Realtor.com's chief economist characterized the pattern as buyers stepping back while sellers list less often, without a broad retreat or a wave of price cuts.

Luxury: lower asking thresholds, faster sales. Realtor.com's September luxury report (its most recent) put the national luxury entry point, defined as the 90th percentile of list prices, at $1,199,321, down 3.6% year over year and the 30th consecutive month of annual decline. That is the lowest since January 2023 and 14.1% below the May 2023 peak. The 95th percentile threshold was $1,885,731, and entry-level luxury listings spent a median 76 days on the market, three fewer than a year earlier. The commentary's consistent thread is a split market: asking prices drifting lower in aggregate, while well-priced homes still find buyers. Our own data, below, fits that pattern.

How We Compare

Three cautions apply. National sales are seasonally adjusted and cover September, while ours are unadjusted October MLS counts, so the sales comparison overstates the gap. Our price figures are rolling 12-month averages, which lag, while NAR reports a median. And Denver Metro definitions differ by source: our figure covers five counties, DMAR's covers eleven.

The comparison still tells a story. Inventory is building roughly twice as fast locally as nationally, and sales are lagging, yet months of supply in both Northern Colorado (4.35) and Denver Metro (3.92) remain below the national 4.8. Our markets are not oversupplied by national standards; they are less tight than a year ago. Price behavior looks more like the West (flat to slightly down) than the national median (up 1% to 2%).

On timing, September's record-low contract index is consistent with October's weak closings. If those contract signings flow through on the usual one-to-two-month lag, November closings could remain soft. We cannot know that, but it is the thing to watch.

Northern Colorado and the Front Range: All Price Points

The Region

Every county we track saw fewer closings and more listings. Larimer County closed 359 homes (down 25% from 477) with 2,136 homes for sale (up 20%), lifting months of inventory to 4.5 from 3.6. Weld County closed 341 (down 23% from 440) with 1,870 for sale (up 12%) and 4.2 months versus 3.5. Combined, Northern Colorado posted 700 closings, 4,006 homes for sale and 4.35 months. Against our September report, listings were essentially unchanged (4,037 then), closings fell from 834 (a normal seasonal step), and months of inventory moved from 4.25 to 4.35.

Denver Metro's 2,029 closings were down 26%. Adams County fell 31%, Douglas 28%, Arapahoe 26%, and Denver 21%. Broomfield (down 19%) held up best of the five and carries the tightest supply at 3.3 months, though its listings rose 21%. Boulder County closed 301 (down 22%) with supply at 4.4 months, and Jefferson County (Denver Foothills) closed 584, down just 12%, at 3.6 months. Denver County now has the longest supply in the metro at 4.8 months, against 4.1 a year ago.

Independent Denver-area data corroborates the direction. The Denver Metro Association of REALTORS' October report, as relayed by local brokerages, shows 2,748 closings across its eleven counties, down 23.5% from last year, with pending sales down 20.3% and 65% of sales involving a seller concession averaging $12,557. That concession figure matters for buyers: negotiated terms are now part of the typical transaction, not the exception.

Pricing

Single-family pricing was remarkably stable. On a rolling 12-month basis, Larimer County was $696,701 (flat), Weld $569,570 (down 2%), Boulder County $1,096,857 (up 2%), Broomfield $810,802 (down 2%), Arapahoe $761,657 (up 1%), Douglas $889,440 (down 1%), Jefferson $824,713 (flat), and Denver County $916,041 (up 3%).

Attached and condo pricing is where the pressure sits. Weld fell 5%, Boulder County 5%, Broomfield 7%, Northern Colorado 4%, Larimer 3% and Jefferson 3%. Denver County's attached average rose 1% to $579,154. This tracks national data showing condo and co-op sales down 5.4% year over year in September, against 1.9% for single-family homes, and the DMAR finding that Denver-area attached homes carry more than seven months of supply.

A methodological note: regional averages in our source data are simple averages of county figures, and single-family and attached prices are rolling 12-month figures. They are a reliable directional guide; county-level numbers are the more precise measure.

The Cities

October separated the cities more than the counties.

Berthoud is a story of supply. Homes for sale rose 80% to 211 (from 117), and months of inventory nearly doubled to 6.9 from 3.5, though the month-over-month figure was steady (6.9 in September). Closings were 13, down from 24. Single-family pricing is up 4% to $796,757, so the softness is in activity, not in price.

Estes Park carries the most supply of any market. Estes Park shows 182 homes for sale (up 21%), 25 closings (down 32%), and 7.8 months of inventory, up from 6.0. Its single-family average is flat at $878,387, and attached rose 5% to $559,880. Second-home and lifestyle buyers often move on a different calendar than primary-residence buyers, which may be part of why days-to-decision look different here.

Fort Collins and Longmont still hold relatively tight supply. Fort Collins has 749 homes for sale (up 22%), 151 closings (down 26%), and 3.7 months, up from 3.0. Its single-family average rose 3% to $742,582. Longmont closed 97 (down 19%) at 3.7 months, against 3.4, with single-family pricing down 3% to $723,908.

Loveland proved the most resilient on volume. Closings were 95, down just 8% from 103, with listings up 13% to 488 and supply at 3.9 months. Single-family pricing slipped 2% to $624,124.

Windsor softened on volume. Closings fell 34% to 52 and months of inventory rose to 4.2 from 3.4, though single-family pricing rose 3% to $725,266. Attached pricing fell 10% to $416,908, the weakest attached figure we track.

Timnath is the outlier. Homes for sale fell 14% to 93, closings were flat at 19, and supply is 4.3 months. Single-family pricing rose 1% to $897,486, and attached pricing rose 5% to $585,703.

Boulder and Evergreen. Boulder city has 658 homes for sale (up 12%), 112 closings (down 11%) and 5.6 months of inventory, up from 4.7. Single-family pricing slipped 1% to $1,626,493, and attached fell 9% to $587,979. Evergreen was the only market where closings rose, to 55 from 47 (up 17%), even as listings climbed 31% to 222; supply is 5.2 months.

The Luxury Market

Our luxury thresholds are local top-5% definitions: $1,150,000 for Northern Colorado, $4,000,000 for Boulder, and $2,400,000 for Denver Metro, Denver Foothills and Evergreen. For reference, Realtor.com's national "entry" threshold is a list-price measure at the 90th percentile (about $1.2 million), and its national 95th percentile is about $1.89 million. Definitions differ, so comparisons are directional. By construction these segments are thin, so a handful of transactions can move percentages dramatically. We read direction and supply rather than any single percentage.

Northern Colorado: $1,150,000+

The region closed 30 homes (down 35% from 46) for $50.5 million (down 33%), against 414 homes for sale (up 4%) and 88 new listings (essentially flat at 89 last year). Months of supply is 7.4, against 7.1 a year ago. Larimer County closed 19 (down 44%) for $32.9 million; Weld closed 11 (down 8%) for $17.5 million.

The average price rose even as volume fell. The regional average sale price was $1,662,746, up 2%. Larimer's average rose 7% to $1,734,127, while Weld's fell 4% to $1,591,364. The region's highest sale was $2,900,000 in Berthoud, against $3,920,000 a year ago, which was Fort Collins. Because Larimer's average includes a few Berthoud sales at higher prices, it should be read as a mix effect, not a broad repricing. (For context, Fort Collins' own luxury average was down 3%.)

Fort Collins' upper tier is more active on the supply side. Closings were 10 (down from 17) for $15.9 million (down 43%), at an average of $1,585,941 and a top sale of $1,975,000. But new listings rose 55% to 31, homes for sale rose 16% to 80, and months of supply moved to 4.8 from 4.0. Compared with September (18 new listings, 72 for sale, 4.4 months), sellers appear to be re-engaging at the top of the Fort Collins market, while remaining the tightest luxury supply among our Northern Colorado cities.

Berthoud tells the clearest story. There are 62 luxury homes for sale (up from 38), 13 new listings (up from 5), three closings, and 14.2 months of supply. The three closings averaged $2,533,333, which shows that well-positioned homes do transact; there are simply a lot of them competing.

Estes Park, Loveland and Longmont. Estes Park's luxury market recorded one closing at $1.9 million, against three, with 45 homes for sale (up 18%) and 9.6 months of supply. Loveland closed four (down from six) with 57 for sale and supply easing to 7.6 months from 9.9. Longmont closed nine (down from 11) with 69 for sale (up 15%), a 10% higher average of $1,699,667, and 7.2 months of supply.

Windsor and Timnath remain the lean markets. Windsor had just two new luxury listings (down from seven), 28 for sale, three closings, and 4.5 months of supply. Timnath closed one luxury home at $2,150,000, with 19 for sale and 4.9 months of supply. In both, scarcity of listings, not strong volume, defines the picture.

Boulder: $4,000,000+

Boulder's top tier remains the most inventory-heavy market we track. Boulder Valley closed two homes (down from three) for $12.9 million, against 91 for sale (up 14%) and 10 new listings, putting months of supply at 26.0, up from 18.3. The highest sale reached $8.8 million, up 60%, which lifted the average to $6.4 million (up 21%). In Boulder city, one home closed (at that $8.8 million), with 62 for sale and 20.1 months of supply. High-end sellers here face a deep shelf and a narrow buyer pool. A single record-level sale is a data point, not a trend, and pricing discipline, distinctive attributes, and patient, discreet marketing matter more here than in any other segment.

Denver Metro: $2,400,000+

The five-county metro closed 38 luxury homes (down 33% from 57) for $133.9 million (down 35%), with 328 homes for sale (up 8%), 90 new listings (up 18%), and months of supply at 6.5 versus 5.6. The highest sale was $10,250,000 in Denver. The source file's average sale price of $3,308,799 (down 11%) is a simple average of county figures, not weighted by transactions, so we treat it as directional only.

The dispersion is the story:

• Denver County: 20 closings (down 26%), $71.5 million (down 27%), 128 for sale (down 11%), and months of supply of 4.6, down from 6.2. It is the metro's only luxury market where listings fell and supply tightened.
• Arapahoe County: 10 closings (down 29%), $36.9 million (down 25%), a $6,125,000 top sale, and 4.6 months of supply (up from 3.8). The average rose 6% to $3,691,527.
• Douglas County: six closings (down 54%), 120 for sale (up 29%), and 10.9 months of supply. The top sale was $4.2 million, against $7.0 million last year.
• Jefferson County (Foothills): nine closings (up 13%) for $26.5 million (up 9%), though listings rose 40% to 91 and supply sits at 10.7 months. Its $7,224,000 top sale was the second-highest in the region (the same figure appears as Evergreen's top sale).
• Broomfield and Adams: one closing each ($3.2 million and $2.8 million) and 7 and 9 homes for sale.

Evergreen ($2,400,000+) closed four (down from five) at an average of $2,743,750, with 27 for sale and 5.6 months of supply, down from 8.1.

The pattern is consistent with what national commentary describes: asking thresholds are drifting lower, but demand has not disappeared. Where supply is stable or tightening (Denver County, Evergreen, Fort Collins, Windsor, Timnath), sellers appear to have a stronger hand than in the deep-inventory pockets (Berthoud, Boulder's top tier, Douglas, Jefferson).

What It Means

We never speak in guarantees, because no two homes or situations are alike. The data does support a handful of considered suggestions.

If you are selling. The conversion your home faced a year ago has changed. Buyers have more choices, rates are near 7%, and nearly two-thirds of Denver-area sales involve concessions. The data suggests pricing to current comparable sales on day one, rather than to last spring's, may be the single most consequential decision. The strongest relative positions appear to be in the tight-supply markets: Fort Collins, Longmont, Loveland, Timnath, and Windsor at all price points, and Denver County, Evergreen and Fort Collins in the luxury tier. In Berthoud, Estes Park, Boulder's top tier and Douglas and Jefferson County luxury, a longer exposure window is plausible, and staging, presentation, targeted marketing and flexible terms (including rate buydowns or seller credits) may be worth more than a headline number. Because national new listings fell 7.5% in October, a well-prepared home may face less new competition in the quieter winter months, though winter buyer traffic is also lower.

If you are buying. Higher rates narrowed affordability, but more inventory has deepened negotiating leverage, particularly where listings are building. Berthoud (6.9 months), Estes Park (7.8), Boulder (5.6) and Evergreen (5.2) offer the most room. A seller-funded rate buydown can be worth more than a modest price reduction, because it lowers the payment for years. Cash buyers hold an advantage above $1.15 million. Rates eased in the last two weeks of October; a lender conversation before touring may help clarify the range you are comfortable with.

If you are an investor. Attached and condo pricing is the pressure point: down 4% in Northern Colorado, 5% in Weld, 9% in Boulder and 10% in Windsor. Softer entry prices may appeal to long-term holders, but carrying costs at these rates and rising attached supply argue for conservative underwriting. Timnath's attached segment (up 5%) is a reminder that micro-markets behave differently from their counties. NAR's September survey showed individual investors and second-home buyers at 20% of national transactions, up from 15% in August, so competition for well-priced assets may not be absent. Single-family stability supports the case for holding well-located assets.

If you are a legacy owner. Equity in single-family homes remains intact: prices are roughly where they were a year ago. For owners considering a long-term hold, a transition to heirs, or a trade-up, higher rates and a thinner buyer pool suggest planning rather than urgency. For owners with low-rate mortgages, the lock-in effect may remain one reason the listings pool is not larger still.

If you are relocating. Northern Colorado's months of supply (4.35) sits below the national figure (4.8), and relocation buyers have a rare combination right now: more inventory, motivated sellers in several submarkets, and prices that have not moved sharply. Single-family averages in Larimer ($696,701) and Weld ($569,570) sit well below Boulder County ($1,096,857) and Denver County ($916,041). The tradeoff is financing cost, so a lender conversation is worthwhile before touring.

If you are a luxury buyer or seller. The data suggests the upper tier rewards precision. Average prices rose in several pockets even as closings fell, which is consistent with a market where fewer, better-priced homes transact. Sellers in deep-inventory pockets may benefit from discreet, well-targeted marketing and realistic price positioning; buyers there may find more room to negotiate on price, terms and timing.

What We Are Watching Through Year-End

1. November closings. September's record-low pending index points to another soft closing month; our November data will show whether Northern Colorado follows.
2. The December Fed meeting. With two dissents favoring a hike and market pricing leaning toward another increase, the direction of policy may matter for buyer sentiment and for mortgage rates, which respond to long-term yields as much as to the Fed.
3. Inflation and the 10-year yield. October CPI arrives November 10. A cooler reading could ease mortgage pricing; a hot one could do the opposite.
4. Listing behavior. National new listings fell 7.5% in October. If sellers who do not need to sell wait for spring, inventory could stay in check, and pricing pressure could remain limited.
5. Berthoud, Estes Park and Boulder's top tier. These carry the most supply and are where a pricing reset, if any, would appear first.
6. Luxury stock-market wealth effects. National commentary links high-end demand to equity wealth; a sustained market pullback would be a risk to that segment.

Full Data Tables

All figures are October 2026 versus October 2025. "Boulder" equals Boulder Valley, and "Jefferson" equals Denver Foothills. SF and attached prices are rolling 12-month averages. N/A indicates no reported figure.

Table 1: Regional, All Price Points (Supply and Demand)

Table 2: Regional, All Price Points (Average Sales Price, Rolling 12 Months)

Table 3: Cities, All Price Points (Supply and Demand)

Table 4: Cities, All Price Points (Average Sales Price, Rolling 12 Months)

Table 5: Regional Luxury (Supply and Demand)

Thresholds: Larimer, Weld and Northern Colorado $1,150,000; Boulder $4,000,000; all others $2,400,000.

Table 6: Regional Luxury (Pricing, Volume and Top Sale)

*As reported in the source file; see Notes.

Table 7: City Luxury (Supply and Demand)

Thresholds: $1,150,000 for all Northern Colorado cities; Boulder $4,000,000; Denver Metro and Evergreen $2,400,000.

Table 8: City Luxury (Pricing, Volume and Top Sale)

Notes on the Data and Sources

• Local data: MCM Collective monthly MLS pulls for October 2026 versus October 2025. Months of inventory and months of supply are as reported in the source files. Rolling 12-month price averages smooth short-term swings and are slower to reflect new conditions than monthly figures.
• Small samples: Luxury segments are thin. A single transaction can swing percentages, as with Boulder (one closing in the city), Estes Park (one), and Timnath (one). Weigh counts and supply alongside percentages.
• Averages: Regional and Denver Metro luxury averages in the source files are not strictly volume divided by closings, so we treat them as directional. County and city figures are more precise. The Denver Metro luxury figures cover Adams, Arapahoe, Broomfield, Denver and Douglas; Jefferson County is reported separately as Denver Foothills.
• National data: Federal Reserve FOMC statement (October 28, 2026); Freddie Mac Primary Mortgage Market Survey (October 1, 8, 15, 22 and 29, 2026); NAR existing-home sales for September (October 13) and pending home sales for September (October 20); S&P Cotality Case-Shiller and FHFA indices for August (October 27); BLS CPI for September (October 14, as reported by Morningstar and others); Realtor.com October Monthly Housing Report (November 4) and September Luxury Housing Report (October 14).
• Denver-area comparisons: Denver Metro Association of REALTORS October data, as relayed by local brokerage reporting; DMAR covers eleven counties versus our five.
• Definitions differ. Realtor.com's luxury tiers are national list-price percentiles (90th, 95th, 99th); our thresholds are local top-5% breakpoints. NAR figures are seasonally adjusted and cover September; ours are unadjusted and cover October.

This report is informational and not a guarantee of future conditions or a substitute for advice specific to your property or finances. Real estate is local, and no two homes are alike.

Let's Talk About Your Situation

Whether you are buying, selling, relocating, or planning a long-term hold, we can pull the numbers for your neighborhood and price point and help you build a strategy around them. Feel welcome to contact us.

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