Selling January 12, 2026

Refinance or Sell? Making the Right Move for Your Home

Homeownership isn’t a one-size-fits-all, and neither are the financial decisions that come with it. At some point, many homeowners reach a familiar fork in the road: Should I refinance my mortgage, or is it time to sell?

The right answer depends on a mix of factors, including your financial health, today’s interest rate environment, your home’s equity, and where you see yourself and your household in the next few years. Let’s walk through both options so you can decide what makes the most sense for you, not just on paper, but in real life.

Refinancing vs. Selling

If your current mortgage no longer feels like the right fit, you generally have two paths forward: refinancing or selling. Refinancing your home allows you to renegotiate the terms of your existing loan, potentially changing your interest rate, loan term, or monthly payment. Selling, on the other hand, can free up equity and open the door to your next chapter. So, how do you decide between the two? The key is to understand what each one offers and what it requires so you can move forward with confidence.

Refinancing Your Home

There are a few reasons homeowners typically refinance their mortgages, the most common being falling interest rates. Lower interest rates after a mortgage reassessment translate into lower monthly payments and significant savings over the life of the loan. If your finances have improved since you initially secured your mortgage—for example, your debt-to-income ratio has improved, or you’ve bumped up your credit score—you may be able to lock in a better rate with your lender. Refinancing your home could also put cash in your pocket. “Cash-out refinancing” allows you to accept a mortgage for more than your principal balance and use the extra money at your discretion. Typically, homeowners will use such funds for significant expenses, such as a major renovation or home improvement project.

Homeowners with Adjustable-Rate Mortgages (ARMs) often refinance into a Fixed-Rate Mortgage to lock in a stable rate for the remainder of the loan term.

Refinancing can also change the length of your loan. Moving from a 30-year mortgage to a 15-year term may reduce the total interest you pay over time, while extending a loan term can lower monthly payments if cash flow is a concern. As with most financial decisions, it’s about balance and knowing the tradeoffs.

Keep in mind that refinancing your home involves getting a new mortgage, so you’ll have to go through the qualification process again. Assess your financial health and equity before you apply. Once you’re ready to move forward, your Windermere agent can recommend a few trusted lenders or mortgage brokers to provide you with a quote.

Selling Your Home

Selling your home is a bigger shift—but sometimes it’s the right one. If your home no longer fits your lifestyle, or if you’re sitting on significant equity, selling can provide financial flexibility to move forward on your terms. Your agent will start by conducting a Comparative Market Analysis (CMA) to determine your home’s value, taking into account current market conditions, location, seasonality, and your home’s unique features.

Although you stand to receive a lump-sum cash payment, selling your home comes with its own set of costs. Paying for repairs, home inspections, staging expenses, agent commissions, not to mention buying or renting your next home, as well as moving fees. This can add up, so it’s important to budget appropriately. Selling your home also means you’ll be uprooting the life you and your household have established there, so it’s necessary to have a plan for your next steps before the “For Sale” sign goes in the ground.

For personalized guidance on selling or refinancing, connect with a Windermere agent today:

MoreWindermere Foundation December 15, 2025

Comedy for a Cause: Windermere Foundation Comedy Events Raise Nearly $1 Million for Local Nonprofits

This fall, two cities, two stages, and hundreds of supporters of the Windermere Foundation came together for one incredible purpose: to raise funds and awareness for youth and families experiencing housing instability and hardships in our communities.

In both Portland and Seattle, Windermere agents, clients, partners, and guests gathered for evenings filled with laughter, heartfelt stories, and a shared mission to give back. With standout performances, powerful testimonials, and an outpour of generosity, the 24th annual Steve Allen Comedy Show and the 3rd annual Windermere Foundation Comedy Night raised a combined total of nearly $1 million in support of local New Avenues for Youth and the YMCA of Greater Seattle.

24 Years of Laughter and Legacy in Portland, Oregon

For more than two decades, the Steve Allen Comedy Show, founded by Windermere Real Estate, has been a beloved tradition in Portland. This year marked the 24th annual event, once again benefitting New Avenues for Youth, a nonprofit committed to preventing and ending youth homelessness through housing, education, job training, and wraparound services.

More than 520 guests gathered at the Portland Art Museum on October 28th for an unforgettable evening starring Emmy- and Oscar-nominated actor and comedian Kumail Nanjiani. Known for his roles in Silicon Valley, Only Murderers in the Building, and Welcome to Chippendales, Kumail brought the house down with his signature mix of sharp wit and relatable storytelling.

Windermere agents and their guests helped raise $580,000 in support of New Avenues for Youth and its vital work helping young people experiencing homelessness overcome the many barriers to stability, well-being, and success.

3rd Annual Windermere Foundation Comedy Night in Seattle, Washington

Back for its 3rd year, the Windermere Foundation Comedy Night in Seattle brought together 350 guests at Fremont Studios on November 7th for an evening that blended humor, heart, and high-impact giving.

The night began with cocktails and a silent auction, followed by a warm welcome from emcee and auctioneer Nelson Jay, who kept the energy high and the giving spirit alive throughout the program. Guests enjoyed a festive dinner, cheered during the paddle raise, and shared plenty of laughs thanks to a hilarious live performance from Kevin Nealon—all while raising more than $415,000 for the Windermere Foundation and the YMCA of Greater Seattle.

These unforgettable nights did more than just entertain—they helped strengthen the work of New Avenues for Youth and the YMCA of Greater Seattle by expanding access to housing, stability, and life-changing resources. Thanks to the generosity of our community, the impact of these events will be felt long after the final curtain call.

A huge thank you to all the sponsors for making these events possible:

24th Annual Steve Allen Comedy Show Sponsors

Windermere Foundation, US Bank, Joan & Brian Allen, Lucky Transportation, Mitch & Elisa Hornecker, The Greenbrier Companies, Ashley & Matt Semler, The Standard, Propel Insurance, TMT Development, Paul & Lory Utz, Ferguson Wellman Capital Management, Casparian, Colas Construction, Legacy Health, Washington Trust Bank, KGW8, Howard S. Wright, Perkins & Co., Bill Kehman & Kari Nelsestuen, Alan Cahn Consulting

3rd Annual Windermere Foundation Comedy Night Sponsors

Stone Insulation, Morgan Stanley Private Wealth Management, Seabrook WA, Sentry Computing, Miller Nash LLP, Wilson Tile, Symetra, Healthy Paws, NWMLS, Albert Lee, Generations Home Loans, Moreland Insurance, Move Forward Financial, XpressDocs, Gentle Giants Moving Company, Clarity Northwest, SignPros, and Fremont Studios

To support the Windermere Foundation, click the donate button below and help continue our ongoing mission to help low-income and homeless families in need.

Donate to the Windermere Foundation.

Market News December 10, 2025

Local Look Western Washington Housing Update 12/10/25

Hi. I’m Jeff Tucker, principal economist at Windermere Real Estate, and this is a Local Look at the November 2025 data from the Northwest MLS.

This November, the Washington housing market continued with its normal seasonal cooldown. And compared to last year, this month looked particularly cool, because 2024 featured an especially strong fourth quarter, which has NOT been repeated this year.

Across the Northwest MLS, closed home sales came in 10% below last November’s total. And pending sales, which give some signal about next month’s sales, actually inched up by 3% from the same time last year.

On the supply side, the flow of new listings was almost identical, or down just 1%, from last November’s pace. Finally, the month ended with 26% more active listings than last November, swinging negotiating power in buyers’ favor .

Those higher inventory levels are starting to put some downward pressure on prices, which dipped by $15,000, to a median of $650,000 for a residential home sale in November.

Now I’ll turn to a closer look at the four counties encompassing the greater Seattle area.

Closed sales dropped by 13% from last November, and none of the four counties was spared from double-digit declines, led by an 18% drop in Kitsap County.

Median sale prices showed roughly no gains around the region: 1% lower in King; 8% higher in Kitsap; 1% higher in Pierce, and 4% lower in Snohomish County. It seems clear now that inventory growth this year has dragged price appreciation down to about 0 for the time being.

Looking ahead, pending sales dipped only 2% across the region in November, thanks mainly to Snohomish’s 6% decline, while the other 3 counties were nearly flat.

On the supply side, the 4-county greater Seattle area had 30% more active listings than at the end of November 2024. I’ve highlighted before that this pace of growth is decelerating, but that deceleration itself may have stalled out: October had a nearly identical 31% growth rate of inventory.

This continues to bode well for buyers, who are now set up to approach the new year with more inventory and bargaining power than they’ve seen in years. For anyone who can squeeze house hunting in between their holiday gift shopping this month, they’ll be well-positioned to find a bargain, even now that Black Friday deals are gone from the stores!

Market NewsMore December 2, 2025

Six Predictions for 2026

The following is a summary of Windermere Principal Economist Jeff Tucker’s six predictions for the U.S. housing market and economy in 2026. He goes into more detail about his predictions in the video below.

1. Existing Home Sales Will Pick Up (Barely)

Home sales have hovered near generational lows for three years. While a sharp rebound is unlikely, conditions point to a modest uptick in 2026. Inventory levels are higher than they’ve been since 2019, and mortgage rates are lower than they’ve been since 2022. Together, those factors should lift existing home sales—but not by much.

2. Home Prices Will Be Roughly Flat

Home prices are likely to remain flat in 2026, largely due to higher inventory putting downward pressure on values. The Case-Shiller Home Price Index showed small declines last summer, though that trend faded by fall. Sellers have been highly responsive to market shifts, often de-listing when offers fall short or holding off on listing altogether. That restraint has kept prices from falling further despite growing supply

3. Inventory Will Climb to Pre-Pandemic Levels

The number of homes for sale will likely return to pre-pandemic levels in 2026, possibly as early as spring. Inventory rose sharply in 2025, and a “shadow supply” of homes—those whose owners are waiting for better conditions—remains in the wings. Many “discretionary sellers” will continue testing the market, holding out for the right price. That behavior should extend average time on market and boost total listings, giving buyers more options and negotiating power.

4. The Homeownership Rate Will Decline

At current prices and interest rates, homeownership remains out of reach for many middle-class Americans who would have bought in different conditions. Slower rent growth has also reduced urgency among would-be buyers, encouraging them to stay put. More renters are opting for single-family homes to enjoy the space and lifestyle of ownership without a mortgage, a shift that will help push the overall homeownership rate slightly lower.

5. Mortgage Rates Will Decline Slightly

Mortgage rates should remain below 6.25% for most of 2026 and could briefly dip under 6%. The Fed’s rate cuts and slower growth have brought 10-year Treasury yields near 4%, while the spread between Treasuries and mortgage rates has narrowed toward its normal range of 2% or less. That trend is expected to continue as refinance risk on mortgage-backed securities gradually fades, but much of the improvement is already reflected in current rates, so significant declines are unlikely.

6. We Will Avoid a Recession in 2026

The U.S. economy weathered several shocks in 2025 but avoided a downturn. Payroll gains have slowed, though more due to shrinking labor supply than weak demand, and unemployment claims have remained stable. After early trade policy turbulence, corporate earnings rebounded strongly, and tariff concerns have faded as court challenges and new trade deals rolled back some of the costliest restrictions.

Design November 24, 2025

Behr 2026 Color of the Year: How to Style Your Home with Behr’s Hidden Gem

Color has a way of reshaping the way a home feels, and for 2026, Behr has introduced a shade that truly sets the tone. Hidden Gem N430-6A, a smoky jade with an air of quiet confidence, is rich, refined, and just mysterious enough to keep your rooms interesting long after the paint dries.

As homes continue shifting toward more personal, expressive spaces, this jewel-toned green blue arrives right on cue. Whether you’re updating a single room or planning a top-to-bottom refresh, here’s how to embrace Behr’s Hidden Gem and blend it seamlessly into 2026’s biggest interior design trends.

Behr Color of the Year: Hidden Gem

Each year, Behr’s color experts look to lifestyle trends, design movements, and cultural moods to select a single shade that reflects how people want to live. For 2026, the demand is clear: homeowners are craving comfort, character, and a stronger connection to the natural world. Hidden Gem brings all three into perfect balance, offering a sophisticated, versatile tone that feels intentional without overpowering a space.

With its deep teal base and soft smoky undertones, it offers a calm, eye-catching depth that shifts effortlessly with the light, perfect for layering with the color and design trends shaping homes in 2026.

Source: Behr 2026 Color of the Year – Hidden Gem

Balancing Hidden Gem with 2026 Color Trends

Color forecasters agree that 2026 will be defined by rich, soothing, nature-inspired hues that help homes feel more grounded and expressive. Hidden Gem fits neatly into this movement, especially as tranquil teals rise in popularity.

This year’s trend reports also point to the growing appeal of warm blacks and mellow reds. These deeper tones bring drama and intimacy into a space, particularly in small rooms or architectural moments. Hidden Gem pairs beautifully with warm blacks like Behr’s Cracked Pepper and earthy reds such as Terra Cotta Urn, creating a thoughtful contrast that feels modern and moody.

Uplifting yellows and soft neutrals will also remain strong throughout 2026. Subtle creams and warm whites help brighten teal-based palettes, while tones like Wheat Bread provide a soft foundation that allows Hidden Gem’s depth to shine. Pairing it with sunny tones like Beehive or 2025’s butter-yellow trend adds a fresh lift, keeping the look balanced and inviting.

Just like Pantone’s color stories, Behr’s 2026 palette is designed to influence cohesive, livable color combinations around its Color of the Year. And the good news? Hidden Gem is unusually flexible. If you are looking for more combinations, explore Behr’s full list of 2026 color trends for additional inspiration.

Source: Behr 2026 Color Trends

How to Align Hidden Gem with Other 2026 Home Trends

Beyond color, the home trends emerging in 2026 offer even more ways to weave Hidden Gem into a refreshed modern space.

Color Drenching and Moody Palettes

One of the biggest design shifts heading into 2026 is the rise of color drenching, where a single shade covers the walls, trim, ceiling, and sometimes even furniture in a room. The look creates a fully immersive, moody atmosphere that feels polished and cohesive. Hidden Gem is especially well-suited for this approach because of its depth and richness.

Alongside this trend, deeper, moodier palettes are also becoming more popular. Saturated hues like greens, ochres, burgundies, and tobacco-inspired tones are appearing more often in homes, reflecting a growing desire for warm color and expressive style.

Personalized Spaces and Self-Care at Home

Design is becoming more personal, and many homeowners are carving out spaces meant for calm, comfort, and everyday wellness. Cozy reading nooks, spa-inspired bathrooms, and small restorative spaces continue to rise in popularity, offering a way to slow down within the home.

Hidden Gem’s serene, smoky character makes it an ideal backdrop for these spaces. It brings a quiet sense of balance to reading nooks when paired with warm wood or soft, textured fabrics. In bathrooms, it complements natural materials and warm metals, creating the same soothing quality you’d expect from a spa.

Sustainability Remains a Priority

Sustainability continues to influence how people design and renovate their homes. From natural materials to energy-efficient upgrades and EV-friendly features, homeowners are seeking ways to make their spaces both stylish and environmentally conscious.

Hidden Gem’s nature-inspired tone fits comfortably within these choices. It pairs effortlessly with organic textures like stone, linen, clay, and reclaimed wood, creating a look that feels grounded and connected to the environment.

With Hidden Gem leading the way, 2026 offers endless opportunities to create a home that feels expressive, grounded, and beautifully your own.

Market News November 19, 2025

The Latest Numbers to Know 11/19/25: Jobs, Housing, & Rates

This is the latest in a series of videos with Windermere Principal Economist Jeff Tucker, where he delivers the key economic numbers to follow to keep you well-informed about what’s going on in the real estate market.

The first number to know this week: 4%. That is how much higher unemployment claims are than this time last year. We don’t actually know the unemployment rate due to the government shutdown, which suspended collection of the household survey it’s based on, so instead economists have turned to state-level data sources. Labor economist Guy Berger shared this chart comparing continuing unemployment claims in 2025, in blue, to the last two years, showing a consistent, gradual 4% year-over-year increase. That’s not great news, but it still doesn’t indicate a sudden breakdown in economic growth. We’ll get a better picture of the economy as the Bureau of Labor Statistics resumes publishing data in the remainder of 2025.

Turning to the housing market: Realtor.com reported almost exactly 1.1 million active listings for sale at the end of October, for the third month in a row. One interesting trend this chart makes clear is that, since 2020, sellers have been more willing to keep listings up later into the fall than they tended to in 2019. That means we are closer now to 2019 inventory levels than at any other time since the pandemic began.

But for the fifth month in a row, the pace of growth of inventory has fallen yet again, now down to just 15% year-over-year. The big growth of active listings this spring and summer helped throw some cold water on price appreciation, pushing it down near to 0, but that inventory growth has slowed down enough that nationally, prices look most likely to flatline next year rather than plunge into negative territory.

That brings me to the next number to know: 1.5%. That’s the most recent year-over-year change in the Case-Shiller Home Price Index, and the slowest pace of home price appreciation since early 2023.

The other puzzle piece for home purchase affordability took a little step in the wrong direction last month: Mortgage rates rebounded from below 6.25% to more like 6 and 3/8, according to Mortgage News Daily. That’s still lower than they were last winter, and it just goes to show that mortgage rates rarely stick to the script and follow a predictable long-term trend.

That is all for this month; I look forward to more economic data in December, and thanks as always for watching!

Buying November 10, 2025

What is a Buyer-Agency Agreement and Why Does it Matter?

In today’s evolving real estate landscape, one of the biggest changes buyers will encounter is the relatively new requirement to sign a Buyer Agency Agreement. While this added step may sound formal, it’s actually designed to make the home-buying process more transparent, secure, and ultimately more beneficial for everyone involved.

What is a Buyer-Agency Agreement?

At its core, a Buyer Agency Agreement is a written contract between you and your real estate agent. It outlines your working relationship, defining the agent’s responsibilities, the services they’ll provide, the duration of your partnership, and how their compensation will be handled. Think of it as the roadmap for your home-buying journey, ensuring everyone starts on the same page, with mutual understanding and trust.

Starting in mid-2024, the National Association of REALTORS® (NAR) began requiring agents to have a signed buyer agency agreement before showing homes to clients.  This change stems from a nationwide settlement designed to bring greater transparency and accountability to real estate transactions by ensuring all agent-buyer relationships are clearly defined in writing. In some markets, this requirement isn’t new; states like Washington, Idaho, and Utah have long recognized the importance of formalizing this relationship. But for many buyers, this will be their first time signing such an agreement, and understanding its purpose can make all the difference.

So, why does it matter?

Transparency and Trust

This agreement ensures clarity around both compensation and representation. It spells out how your agent is paid—whether by the seller, by the buyer, or by both—so there are no surprises later. With these details defined upfront, you can move forward with confidence, knowing your agent’s focus is squarely on your best interests.

Defined Roles and Responsibilities

A Buyer Agency Agreement clearly outlines what your agent will do for you: from helping you navigate listings and compare neighborhoods to guiding you through offers, inspections, and closing. It also defines your responsibilities as a buyer, such as communicating openly and working exclusively with your chosen agent throughout the duration of the agreement. Together, these expectations create a smoother, more collaborative experience.

Protection and Professionalism

Buying a home is one of life’s biggest investments, and having a written agreement in place protects both you and your agent by setting clear parameters for your working relationship. It ensures your agent is committed to advocating for your needs, maintaining confidentiality, and acting in your best interest throughout the process.

While some may see the Buyer Agency Agreement as an extra step, it’s really a safeguard, one that reinforces the professionalism and dedication that define Windermere Real Estate agents. It turns a handshake of trust into a documented commitment, empowering buyers to make confident, informed decisions at every stage of the journey.

Connect with a Windermere agent today to learn more about how we can help you navigate your home search with confidence.

Market News November 6, 2025

Local Look Western Washington Housing Update 11/6/2025

Hi. I’m Jeff Tucker, principal economist at Windermere Real Estate, and this is a Local Look at the October 2025 data from the Northwest MLS.

 

This October, the Washington housing market began its usual seasonal shift into the cooler 4th quarter. Compared to last year, it looked particularly cool, because last October saw a sudden burst of buying activity in the wake of the Fed finally beginning to cut interest rates.

Across the Northwest MLS, closed home sales came in 4% below last October’s total. MLS. Pending sales, which give some signal about next month’s sales, were down 6% from the same time last year.

On the supply side, the flow of new listings remains roughly even with last year’s, or just 4% higher. Finally, the month ended with 29% more active listings than last October, continuing a slowdown in inventory growth but still leaving buyers with more options than they had last year or the year before.

Those higher inventory levels are starting to put some downward pressure on prices, which dipped 2%, to a median of $660,000 for a residential home sale in October.

Now I’ll turn to a closer look at the four counties encompassing the greater Seattle area.

Closed sales stepped down by 8% from last October, although that month last year had unusually high sales, especially in King County, where 2024’s sales were a whopping 33% higher than in 2023.

 

Median sale prices were split: 4% higher in King; 9% higher in Kitsap; but 2% lower in Pierce, and 5% lower in Snohomish County. That may represent a continued trend of demand retrenching toward the employment center of the region, around Seattle and Bellevue, as new return-to-office policies come into effect.

Looking ahead, pending sales fell 9% across the region, although again King County’s sales drop looks a bit like mean reversion after a standout 2024 number.

On the supply side, the 4-county greater Seattle area had 31% more active listings than at the end of October 2024. That continues the moderation of inventory growth we’ve seen since May, when this metric peaked at 45% year-over-year growth.

Looking ahead, we are entering one of the best times of the year for savvy buyers and their agents to find a bargain, and with much more inventory than even this time in the last two years. Whether they jump at the opportunity will be revealed in next month’s data!

Selling November 3, 2025

Does Home Staging Really Work? What Sellers Should Know

For more than 20 years, the benefits of home staging have been well documented. Countless studies have shown that staging helps homes sell more quickly, and often for a higher price. According to the National Association of REALTORS®, 30 percent of agents reported that staging led to a 1 to 10 percent increase in the dollar value offered by buyers, and nearly half of sellers’ agents said staging helped reduce the time on market. Studies also indicate that buyers can generally decide if they’re interested within the first 30 seconds of seeing a home.

Staging is all about creating a welcoming, move-in-ready atmosphere. It helps buyers picture themselves in the space, highlights your home’s best features, and minimizes anything that might distract from its potential. From small styling updates to full furniture placement, staging can make a big difference in how your home is perceived and how it performs on the market.

If you’re planning to sell, here’s why staging is still one of the smartest strategies you can use and how to make the most of it.

A Strong First Impression Starts Online

In 2023, the National Association of REALTORS® Generational Trends Report revealed that 96 percent of buyers now rely on the internet to search for their next home. And in a market where most buyers begin their home search online, how your home looks and feels from the start has never been more important. Your online photos, videos, and virtual tours should make buyers want to see more. Staging helps make that possible by photographing better, helping rooms look more spacious and inviting, and encouraging buyers to take the next step.

Thanks to newer tools like virtual staging and AI design platforms, sellers have more options than ever to enhance their home’s online presence. These can be especially helpful for vacant homes or spaces that are difficult to define, giving buyers a sense of scale, purpose, and warmth before setting foot in the front door.

What Rooms Matter Most?

Not every room in your home needs to be staged, but some have more influence on buyers than others. 37 percent of buyer’s agents say that the living room is the most important room to stage, followed by the primary bedroom at 34 percent, and the kitchen at 23 percent. These are the spaces where people imagine themselves spending the most time, relaxing, hosting, and settling into daily life.

Staging can also be especially helpful in vacant rooms or uniquely shaped rooms. A few well-placed pieces of furniture can help define how the space might be used and create a natural flow from room to room. When these rooms feel welcoming and well put together, buyers are more likely to see the home as a fit for their lifestyle. A little extra effort in the right spaces can go a long way toward making that connection.

Clear, Clean, and Clutter-Free

To further inspire buyers to imagine the space as their own, make sure every room—including closets and the garage—is clean and clutter-free. You may even want to hire professionals to give your home a thorough deep clean.

Family photos, personal memorabilia, and collectibles should be removed from the home for your safety. Closets, shelves, and other storage areas should be mostly empty. Workbenches should be free of tools and projects. Clear the kitchen counters, store non-necessary cookware, and remove magnets from the refrigerator door.

The same goes for furniture. If removing a chair, a lamp, a table, or other furnishings will make a particular space look larger or more inviting, then do it.

You don’t want your home to appear cold, unloved, or unlived-in, but you do want to remove distractions and provide prospective buyers with a blank canvas of sorts. Plus, de-cluttering your home now will make it that much easier to pack when it comes time to move.

Neutralize and Brighten

Every home is a personal expression of its owner. But when you become a seller, you’ll want to look for ways to make your home appeal to your target market. Keep in mind, your target market is the group of people most likely to be interested in a home like yours, which your agent can help you determine.

A good strategy for staging your home is to “neutralize” the design of your interior. A truly neutral interior design allows people to easily imagine their own belongings in the space—and to envision how some simple changes would make it uniquely their own.

Paint over bold wall colors with something more neutral, like a light beige, warm gray, or soft brown. The old advice used to be, “paint everything white,” but often that creates too sterile an environment, while dark colors can make a room look small, even a bit dirty. Muted tones and soft colors work best. Likewise, consider removing wallpaper if it’s a bold or busy design.

Lighting is key. Replace heavy, dark curtains with neutral-colored sheer versions; this will soften the hard edges around windows while letting in lots of natural light. Turn on lamps, and if necessary, install lighting fixtures to brighten any dark spaces—especially the entry area.

A Smart Investment with Lasting Impact

Staging is a powerful advantage when selling your home, but that’s not the only reason to do it. Staging uncovers problems that need to be addressed, repairs that need to be made, and upgrades that should be undertaken. Staged properties are more inviting, and that inspires the kind of peace of mind that gets buyers to sign on the dotted line. In the age of social media, a well-staged home is a home that stands out, gets shared, and sticks in people’s minds.

What’s more, the investment in staging can bring a higher price. According to the National Association of REALTORS®, the average staging investment is between 1 percent and 3 percent of the home’s asking price, and typically generates a return of 8 to 10 percent.

In short, with less time on the market and higher selling prices, the small cost of staging your home is a wise investment.

Where to Start

If you’re concerned about the additional cost of staging, rest assured. Even a relatively small investment of time and money can reap big returns. There are even things you can do yourself for little to no cost. Contact your agent for advice on how to stage your home most effectively or for a recommendation on a professional stager. While the simple interior design techniques outlined above may seem more like common sense than marketing magic, you’d be surprised at how many homeowners routinely overlook them. And the results are clear: staging your house to make it more appealing to buyers is often all it takes to speed the sale and boost the sale price.

Thinking about selling your home? Connect with a Windermere agent to learn more about staging and how it can help you get the best possible results.

Market News October 22, 2025

Numbers to Know 10/22/25: The Latest on Jobs, Housing & Mortgage Rates

This is the latest in a series of videos with Windermere Principal Economist Jeff Tucker, where he delivers the key economic numbers to follow to keep you well-informed about what’s going on in the real estate market.

The government has shut down, and that means most government data publication has paused as well. The monthly CPI inflation report is delayed, and the monthly jobs report is suspended this month. So I’ll have to plan to revisit those when they resume, and in the meantime, I’ll start by checking in on the last publication out of the BLS before the shutdown: the Job Openings and Labor Turnover Survey, or JOLTS for short.

3.2%

That was the hiring rate in August, meaning the share of the workforce that just got hired. It’s around the lowest hiring rate since 2010, when the economy was just beginning to dust itself off and climb out of the Great Recession. It’s one half of a simple summary of the economy that labor economists have been using for a couple years now: “Slow to hire, slow to fire.”

1.1%

That’s the rate of layoffs and discharges, or, broadly, the firing rate, to fit the rhyming scheme. It is not particularly high right now, even if it’s up slightly from the essentially record-low firing rate below 1% we saw briefly in 2022.

Putting it together, what “Slow to hire, slow to fire” means is that employers are essentially hunkering down, hanging on to their workers but not interested in growing those payrolls quickly. For people with jobs, this means the economy feels essentially OK – not great, but OK. But for those without a job, it’s proving unusually hard to break back into the workforce, which makes this a terrible time to be unemployed, and is gradually inflicting stress on the credit system and consumer spending. These are early signs of an economic slowdown, but not yet any indication of a recession.

Turning to the housing market: we’ve got a familiar refrain this month. More inventory means buyers have gained more negotiating leverage, although September likely represented the high-water mark for the year, with about 1.1 million active listings for the 3rd month in a row. That’s 17% more than the same time last year.

Importantly, inventory growth has passed an inflection point: for the fourth month in a row, the pace of growth of inventory has fallen yet again. Growth has now been roughly cut in half, from the 32% annual growth seen in May. That means inventory is not on a runaway growth track toward a glut that would push prices down. Rather, the market is re-equilibrating, as some sellers steer clear of a buyers’ market, or de-list after not getting a satisfactory offer. For buyers, it means conditions have moved in their favor but they shouldn’t count on that trend intensifying much further.

Another helpful factor for buyers, though, is that borrowing costs have continued to fall. The ten-year treasury yield, which is a major benchmark that mortgage rates tend to track, plus about 2 points, has now dipped below 4% for the first time this year. That reflects the combination of lower expected economic growth, and the resulting lower Fed Funds Rates expected over the next few years, as the Fed reacts to try to prevent a recession.

Hand in hand with those lower Treasury yields: Mortgage rates are moving back into their most favorable territory in 12 months, right around 6.25%. That represents significant savings compared to the rates of around 7% to start the year, and is partly driven by investor expectations of interest rate cuts to come. Because those expectations are already factored into the lower rates today, there’s no guarantee that mortgage rates will fall further even if and when the Fed continues cutting its overnight rate.

That is all for this month; I hope we’ll have more BLS data next month, and thanks as always for watching!