Why Home Prices Aren’t Actually Flat

3 Min Read | 💸 ARMs Demystified + 🎖️ Veteran-Owned Delta Security Inc. Serves Colorado Springs

Author

Brandon Lecocq
October 10, 2025

In partnership with

"The goal isn't more money. The goal is living life on your terms.” - Chris Brogan

Hey Everyone,

Welcome to this week’s edition of The Ridgeline Rundown!

This week, we’re unpacking why headlines saying “home prices are flat” don’t tell the whole story. In reality, prices are rising in some markets and softening in others — and inventory is driving that divide.

What matters most? Knowing what’s happening locally. National averages can be misleading, but your market tells its own story.

Let’s dig into what the data really shows and how it impacts your next move.

As always, I’m here to guide you with honest advice, real strategies, and a personalized approach that makes a difference. Have questions? Let’s chat and build a plan that works for you.

Table of Contents

Mortgage Minute

Mortgage rates have stayed mostly flat over the past three weeks, with minimal day-to-day movement. Bonds weakened slightly today, pushing rates a bit higher—but overall, fluctuations remain small and balanced.

Bottom line: Rates continue to hold steady within a very narrow range.

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The Insider’s Guide to Real Estate | Tips

Why Home Prices Aren’t Actually Flat

If you’ve been following real estate news lately, you’ve probably seen headlines saying home prices are flat. And at first glance, that sounds simple enough. But here’s the thing. The reality isn’t quite that straightforward.

In most places, prices aren’t flat at all.

What the Data Really Shows

While we’ve definitely seen prices moderate from the rapid and unsustainable climb in 2020-2022, how much they've changed is going to be different everywhere.

If you look at data from ResiClub and Zillow for the 50 largest metros, this becomes very clear. The real story is split right down the middle. Half of the metros are still seeing prices inch higher. The other half? Prices are coming down slightly (see graph below).

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Thinking of Selling?

Click here for a FREE home evaluation and a comparative market analysis. Let's find out what your home is worth in this market!

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Feel free to reach out with any real estate questions—I’m here to help, no matter the state!

Referrals are the biggest compliment, so send anyone my way. Until next time!

Home insurance rates up by 76% in some states

Over the last 6 years, home insurance rates have increased by up to 76% in some states. Between inflation, costlier repairs, and extreme weather, premiums are climbing fast – but that doesn’t mean you have to overpay. Many homeowners are saving hundreds a year by switching providers. Check out Money’s home insurance tool to compare companies and see if you can save.

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