July 2025 Real Estate Market Update: Trends Across Cincinnati and the Northern Suburbs

July 2025 Real Estate Market Update

As we move through the heart of summer, the July 2025 housing market in Greater Cincinnati and the northern suburbs is experiencing a typical seasonal shift. While buyer interest remains steady, activity has slightly tapered as many families take vacations or prepare their children for the upcoming school year.

Inventory Inches Up, But Still Tight

Across Cincinnati and its northern suburbs—such as Mason, West Chester, Loveland, Liberty Township, and Monroe—we’re seeing a slow but steady increase in new listings. Inventory is up 12% month-over-month, giving buyers a bit more breathing room. However, the total number of available homes remains well below pre-pandemic levels.

Takeaway: Sellers still have an advantage, especially in move-in-ready homes priced appropriately. Buyers now have more selection, but desirable homes in great school districts still move fast.

Price Growth is Leveling Out

Home values in the Cincinnati metro area and surrounding suburbs have held firm this month, with a modest 1.8% increase year-over-year. The luxury markets—including Indian Hill, Montgomery, and parts of West Chester—continue to perform well, while family-friendly neighborhoods in Mason, Deerfield Township, and Fairfield Township are attracting steady interest from buyers looking to settle in before the school year begins.

School-Year Planning Causes Brief Slowdown

Every July, the real estate market sees a natural cooling as families focus on summer vacations, back-to-school shopping, and planning transitions. This year is no exception. Open house traffic has dipped slightly, and showings tend to slow in the afternoons and weekends.

However, serious buyers are still out there—especially those relocating for work or targeting a school district move before fall.

Interest Rates and Buyer Motivation

Mortgage rates are averaging 6.4% for a 30-year fixed, creating a mix of urgency and caution. Buyers with strong credit are locking in rates now, while others are exploring flexible loan options to maintain affordability.

Pending Sales Still Strong

Even with the seasonal slowdown, pending home sales rose 7% compared to June, proving that motivated buyers are still taking action. The northern suburbs—particularly Mason, Liberty Township, and Monroe—are seeing strong movement due to their school ratings, community amenities, and newer home inventory.

Is Now a Good Time to Sell or Buy?

Yes—if you have a plan. Sellers who list now face less competition than in spring and can appeal to serious buyers looking to move before school starts. Buyers benefit from increased inventory and slightly less competition, creating more negotiating power.

Let’s Discuss Your Goals

Whether you’re looking to sell, buy, or simply understand your home’s value in today’s market, I’m here to guide you. With proven marketing strategies and a customized approach, I help clients make smart moves—regardless of the season.

📞 Call: 513-445-8195