Investing in Real Estate • September 29, 2025

Greater Cincinnati Housing Update September 2025: Prices Up, Competition Down?

by Kristine Green

September reminded us that Cincinnati’s housing market is truly hyper-local. While some neighborhoods are still posting steady price growth, others are seeing longer days on market, an uptick in expired listings, and increasingly discerning buyers. Today’s buyers know they’re paying a premium, and they expect homes to be in excellent condition. The days of paying top dollar for a fixer-upper are fading fast—unless sellers are willing to slash the price. This shift is creating a more balanced market, where success depends less on timing and more on strategy.

Key Market Trends in September

Prices continue to climb: Cincinnati’s median sale price hovered around $277,500—up about 5% year-over-year. In the broader Greater Cincinnati region, median prices reached $310,000.
Inventory is rising: Active listings jumped nearly 24% compared to last year, giving buyers more options.
Homes are taking longer to sell: The average days on market stretched to about 48 days, compared to 43 days a year ago.
Expired listings are on the rise: Overpriced or poorly presented homes are sitting longer, and some are coming off the market unsold.
Buyer expectations are higher than ever: With interest rates still elevated, buyers demand turnkey homes and are less willing to compromise on condition.

Neighborhood Snapshots – September 2025

Mason & Deerfield Township

Known for Mason City Schools, consistently ranked among the top districts in Ohio, these communities remain highly competitive. Homes in move-in ready condition are still drawing multiple offers, especially in popular subdivisions. Median prices here are well above the regional average, often topping $500,000+, and buyers expect turnkey condition for that investment.

Indian Hill

With Indian Hill Village Schools rated among the best in the state, this luxury market continues to attract high-end buyers. Homes here take longer to sell simply due to price points, but demand for well-marketed, high-condition properties remains strong. Sellers should focus on presentation and professional staging to stand out in this exclusive market.

Loveland

Loveland City Schools are another big draw for families. This area has seen steady demand, but buyers are cautious—stretching out decision windows and negotiating more aggressively. Well-priced homes under $400,000 are still moving quickly, while older or less updated properties linger.

West Chester & Liberty Township

Anchored by the highly rated Lakota Local Schools, Ohio’s largest district, this corridor continues to see strong family demand. However, inventory has increased, giving buyers more leverage. Sellers who overprice or skip pre-listing preparation are more likely to face price reductions.

What It Means for Buyers

If you’ve been waiting for a less competitive market, September brought some relief. With more homes available and fewer bidding wars, you now have more breathing room to make thoughtful decisions.

Still, when a well-priced home in a desirable neighborhood hits the market, it won’t last long. Having financing in place and moving quickly is still essential. Expect sellers to negotiate, but don’t assume big discounts unless the property has been sitting for weeks.

What It Means for Sellers

This isn’t the market of two years ago, when nearly every listing sparked a frenzy of offers. Today, presentation, pricing, and preparation matter more than ever.

Homes in top condition, priced strategically, continue to sell well.
Outdated properties or those needing repairs risk going stale, forcing sellers into price cuts.
Buyers are increasingly walking away from “projects” unless the price reflects the work needed.

If you’re preparing to sell, investing in repairs, staging, and professional marketing can make the difference between an expired listing and a strong sale.

Looking Ahead to Fall & Winter

Mortgage rates dipped to an 11-month low (~6.35%) in September, which could spur activity if the trend continues.
Seasonal motivation: Buyers who want to move before the holidays or year-end often step up in October and November.
Neighborhood variations: Expect the gap to widen between hot pockets (newer homes, move-in ready) and slower areas (older homes needing updates).
Strategic pricing wins: Sellers who meet the market where it is will move forward; those who push too high may face stagnation.

Final Takeaway

Greater Cincinnati real estate remains strong but is no longer one-size-fits-all. Buyers have more leverage, sellers face higher expectations, and results vary neighborhood by neighborhood. Whether you’re buying or selling this fall, success comes down to making informed, strategic moves in a market that rewards preparation and precision.

📞 Thinking of making a move?
The Cincinnati market is shifting, and success depends on strategy. Whether you’re ready to sell your home or searching for the perfect property, I’ll help you craft a custom-tailored plan designed around your goals.

Call 513-445-8195 today to get started.

Homeownership Tips • Investing in Real Estate • September 25, 2025

Mortgage Rate Watch: Are Rates Going Up or Down in Q4 2025?

by Kristine Green

Mortgage rates are top of mind for many buyers and sellers in 2025. As we move into the final quarter of the year, the big question remains: Will rates rise, fall, or hold steady?

The answer matters because it affects affordability, home values, and how quickly properties sell. In the sections below, you’ll find the latest numbers, key factors to watch, and opportunities in the fall housing market.

📊 Today’s Mortgage Rate Snapshot

According to Freddie Mac’s Primary Mortgage Market Survey, as of this week:

30-year fixed-rate mortgage: 6.30%
15-year fixed-rate mortgage: 5.49%

These figures represent national averages for strong-credit borrowers with at least 20% down. However, your actual rate can vary depending on your credit score, down payment, and lender programs.

Why Rates Matter

Even a small change can have a big impact on buying power. For example, on a $400,000 home, the monthly payment difference between 6.3% and 5.8% is more than $120. Over the course of a year, that’s more than $1,400 — and over the life of a loan, it adds up to tens of thousands.

As a result, buyers and sellers alike are paying close attention to where rates go next.

Factors That Could Push Rates Higher

Several forces may keep mortgage rates elevated this fall:

Sticky inflation – If inflation doesn’t cool, the Fed may continue its cautious approach.
Strong economy – Job growth and rising wages can support higher borrowing costs.
Global challenges – Energy prices, supply issues, or conflicts may ripple into U.S. rates.
Bond market volatility – Mortgage rates often rise in response to climbing Treasury yields.

Factors That Could Pull Rates Lower

On the other hand, there are also conditions that could lead to lower rates:

Cooling inflation – Softer inflation data usually eases pressure on rates.
Economic slowdown – Slower job growth or weaker spending may reduce demand.
Housing market shift – If demand cools, lenders may compete harder for buyers.
Investor behavior – A move back into bonds often pulls mortgage rates down.

What This Means for Buyers

For buyers, preparation and strategy are key.

Don’t wait forever. If you find the right home, consider acting instead of chasing the “perfect” rate.
Talk to a lender. Local loan officers can walk you through creative financing and refinancing options.
Get pre-approved. This locks in your rate and makes you more competitive when making an offer.

What This Means for Sellers

Sellers also need to adapt to the current environment.

Affordability is tighter. Expect more cautious buyers who watch monthly payments closely.
Condition matters. Clean, staged homes with strong curb appeal still draw attention.
Price strategically. A realistic price attracts more qualified buyers and prevents extended days on market.
Marketing is critical. Professional photos, video, and targeted campaigns ensure your property stands out.

🍂 Opportunities in the Fall Housing Market

Even with higher mortgage rates, fall presents unique opportunities:

Less competition – Many buyers and sellers wait for spring, leaving motivated buyers more room to negotiate.
Motivated sellers – Those who list in the fall often have a specific reason to move before year-end.
Seasonal appeal – Autumn décor, cozy staging, and warm lighting make homes feel inviting.
Faster closings – With fewer transactions in the pipeline, lenders and title companies may process deals more quickly.
Year-end tax benefits – Buyers who close before December 31st may qualify for valuable deductions.

✅ Pro Tip

If you’re a buyer, ask your lender about a “rate lock with float-down option.” This feature allows you to secure today’s rate while still taking advantage if rates drop before closing.

✅ Summary & Strategy

Mortgage rates today average ~6.30% for a 30-year fixed and ~5.49% for a 15-year fixed. Their direction in Q4 will depend on inflation, economic data, and global events.

For buyers: Preparation and pre-approval matter more than trying to time the market.
For sellers: Smart pricing and standout marketing are essential to attract qualified buyers.
For both: Fall offers unique advantages, including less competition and faster closings.

Ultimately, the most successful buyers and sellers are those who partner with the right team — an experienced Realtor® to handle strategy and a trusted lender to provide financing options.

**The rates cited are based on national averages and do not represent a guarantee of what you may be offered. For customized mortgage advice, rate lock options, or financing details, please consult with a qualified loan officer or financial advisor.

Lifestyle • September 1, 2025

🍁 Fall in Greater Cincinnati: Drive-Ins, Wineries, Festivals & Charcuterie Fun

by Kristine Green

The first official day of fall arrives on September 22, and Greater Cincinnati is ready to celebrate the season in style. From crisp evenings at nostalgic drive-ins to sipping wine at local vineyards, exploring pumpkin-filled festivals, and even learning how to craft your own charcuterie board, there are plenty of ways to make autumn memorable.

Here’s your ultimate guide to fall fun across Greater Cincinnati—with highlights from Mason, Deerfield Township, Liberty Township, Loveland, Hamilton, and beyond.

🎬 Cozy Nights at the Drive-In

Few things capture fall better than watching a movie under the stars with a blanket and hot cider. Local favorites include:

Starlite Drive-In (Amelia, OH) – A classic since 1947, showing double features on weekends.
Holiday Auto Drive-In (Hamilton, OH) – Over 70 years of movie magic with multiple screens. (Check Facebook for current showtimes.)
Dixie Twin Drive-In (Dayton, OH) – Just a short drive north with first-run films through October. (Check local listings for details.)
Bel Air Drive-In (Versailles, IN) – Perfect for a nostalgic road trip date night. (See their Facebook page for updates.)

🍇 Sip & Savor: Wine Tastings & Wineries

Harvest season is the perfect time to explore Cincinnati’s wine scene:

Vinoklet Winery (Hamilton County) – Cincinnati’s only working vineyard, offering sweeping views and award-winning wines.
Skeleton Root (OTR) – A boutique urban winery honoring Cincinnati’s historic winemaking roots. (skeletonroot.com)
Revel Urban Winery (OTR) – Known for lively “Tasting Tuesdays.” (revelotr.com)
Henke Winery (Westwood) – Cozy neighborhood spot with local grapes and weekend live music. (henkewine.com)
Woodstone Creek (Evendale) – Small-batch winery & distillery featuring unique flavors like Chocolate Casanova Riesling. (woodstonecreek.com)

🎡 Celebrate Fall at Local Festivals

Greater Cincinnati is packed with fall traditions. Here’s your seasonal festival guide, organized by date:

Blooms & Berries Farm Market – Fall on the Farm (Loveland) – Sept 13–Oct 31
Corn maze, pumpkin patch, hayrides, beer garden, and more.
Shaw Farms (Milford) – Sept 20–Nov 2
Wagon rides, interactive displays, and pumpkin photo ops.
Niederman Family Farm (Liberty Township) – Sept 19–Oct 26
A classic corn maze, hayrides, and seasonal fun for all ages.
Burger Farm Fall Fest (Newtown) – Weekends Sept 27–Oct 26
Pumpkins, live music, games, and fall markets.
West Chester’s Great Pumpkin Fest (Keehner Park) – Oct 5
A free family festival with puppet shows, costume contests, crafts, and a “not-so-scary” haunted trail.
Operation Pumpkin (Hamilton) – Oct 11–13
Downtown Hamilton transforms into a giant pumpkin celebration, complete with weigh-offs, live sculpting, artisan vendors, live music, and family-friendly activities.

🧀 Fall Fun with Charcuterie-Making Classes

Want to wow guests this season? Try one of these creative workshops:

Boardchick Cincy Skyline Workshop – Create your own charcuterie box while enjoying the Cincinnati skyline ($35/person).
Charcuterie Creations (Sharonville) – Beginner-friendly workshops where you’ll design, build, and take home your own board.
Turner Farm (Indian Hill) – Private gatherings featuring farm-fresh, charcuterie-style cooking classes and seasonal pairings.

🍽 Holiday Ready: Catering Made Simple

Planning a family get-together or holiday celebration? Save time and stress with catering from these local favorites:

Bailey Family Catering – Family-owned and award-winning, offering everything from Thanksgiving dinners to full holiday spreads.
Boardchick Cincy – In addition to classes, they also create stunning grazing boards, charcuterie trays, and holiday party platters.

✨ Wrapping Up

With the official start of fall on September 22, Greater Cincinnati is ready for a season full of traditions and new experiences—drive-in movies, winery tastings, pumpkin festivals, charcuterie workshops, and holiday catering. However you celebrate, this is the perfect time to enjoy crisp evenings, community gatherings, and time with loved ones.

And if you’re looking for a new home to enjoy it all from, I’d love to help you find the perfect fit. Fall is one of the most beautiful times to make Greater Cincinnati your home.

📞 Office: 513-445-8195

Investing in Real Estate • August 28, 2025

August 2025 Real Estate Market Update: What Buyers & Sellers Need to Know about Greater Cincinnati Real Estate

by Kristine Green

As summer winds down, the real estate market in Greater Cincinnati is shifting gears. Interest rates have dipped to their lowest level in nearly a year, new listings are giving buyers more options, and homes are still selling quickly in our most in-demand suburbs like Mason, West Chester, Liberty Township, and Indian Hill. Whether you’re planning to buy your first home, move up to your dream property, or sell before the holidays, understanding where the market stands in August 2025 will help you make smart moves.

Mortgage Rates: A Welcome Dip

30-year fixed mortgage: averaging 6.5%–6.56%, the lowest in 10 months.
Forecasts suggest rates could ease closer to 6.0% by year-end, creating even more affordability for buyers.

👉 What this means in real life: Buyers locking in rates now are getting the best financing opportunities we’ve seen since last fall. Even a small drop in rates later this year could spark heavier competition.

Greater Cincinnati Market Snapshot

Median Days on Market (DOM):
- Hamilton County: 8–9 days (fast pace, though slightly slower than last year).
- City of Cincinnati (Redfin): 43 days, showing longer timelines outside the hottest suburbs.
Median Sale Prices:
- Hamilton County: about $320,000, up 6.7% year-over-year.
- Cincinnati citywide: $294,243, up 7% year-over-year.
Inventory: Listings are rising modestly, giving buyers more choice without overwhelming sellers.

👉 What this means in real life: If you’re a buyer, you’ll notice a little more breathing room compared to spring. But in hot suburbs like Mason or Indian Hill, desirable homes are still flying off the market in just over a week.

Seasonal Market Notes

August is a transition month: families are wrapping up summer vacations, kids are back to school, and many buyers are making a push to get settled before the holidays. Sellers who list now can benefit from serious, motivated buyers who want to move before year-end.

Opportunities for Buyers

Move quickly, but strategically: Homes in Mason, West Chester, and Indian Hill are often under contract in under 10 days.
Secure financing early: Pre-approval gives you confidence and helps you compete in a mid-6% rate environment.
Watch fall trends: If rates dip closer to 6.0%, expect new buyers to re-enter the market—meaning more competition.

📋 Buyer Tip Box:

✅ Get pre-approved before you shop.
✅ Set up instant listing alerts.
✅ Tour homes as soon as they hit the market.

Opportunities for Sellers

Still a seller’s market: Well-prepared homes are drawing attention quickly.
Pricing precision is key: Overpricing risks sitting on the market—buyers are cautious and compare homes closely.
Luxury steady: High-end buyers are selective, but demand remains strong for well-presented properties in Indian Hill and Liberty Township.

📋 Seller Tip Box:

✅ Declutter and stage your home for maximum impact.
✅ Refresh curb appeal with landscaping and exterior touch-ups.
✅ Consider a pre-listing home inspection to avoid surprises.

Neighborhood Highlights

Mason & West Chester: Family-friendly communities with low DOM and competitive offers.
Indian Hill: Luxury properties continue to attract buyers seeking exclusivity and privacy.
Liberty Township: Popular with move-up buyers, with strong activity and rising demand.

Looking Ahead

If mortgage rates continue their gradual decline this fall, we may see multiple-offer scenarios return in full force. Planning ahead now—whether you’re buying or selling—puts you in the strongest position to act confidently when the market shifts.

Key Takeaway

The Greater Cincinnati market remains one of momentum and opportunity. Sellers can still benefit from strong demand, while buyers now have more options and slightly less competition than earlier this year. As rates hover in the mid-6% range, the window is open for both sides to make confident, well-timed decisions.

📞 Thinking about making a move this fall?
I’d be happy to provide a personalized strategy—whether you’re preparing to sell, upsizing, downsizing, or buying your first home.

Kristine Green
Realtor®, Global Luxury Specialist
Coldwell Banker Realty
Office: 513-445-8195

Building A New Home • Homeownership Tips • Lifestyle • August 22, 2025

Popular Smart Home Automation Systems: Features, Costs, and Integrations

by Kristine Green

Smart home automation is no longer just a futuristic concept—it’s here to stay. Homeowners today want security, convenience, and energy efficiency at their fingertips. Buyers are also drawn to homes that already include smart technology, making these features a selling point in today’s market.

This guide explores popular smart home systems—Vivint, SimpliSafe, ADT, Ring, Cove, and Control4—along with their features, costs, integrations, and ratings.

Why Smart Home Systems Are Important

Adding smart technology can benefit both current homeowners and future sellers:

Convenience – Control lights, locks, or thermostats from your phone or with your voice.
Security – Use video doorbells, motion sensors, and professional monitoring.
Energy Savings – Automate heating and cooling to lower monthly bills.
Buyer Appeal – Homes with automation feel modern and move-in ready.

Even small upgrades, like a video doorbell or smart lock, can make a big difference.

Vivint Smart Home

For: Homeowners who want full-home automation with professional installation.

Equipment Cost: $450–$600+
Monitoring Fee: $29.99–$39.99/month (+$5 per camera)
Contract: Month-to-month if paid upfront, or 3.5–5 years if financed
Ratings: 9.1–9.4/10 expert reviews | 4.2/5 Trustpilot
Integrations: Amazon Alexa, Google Assistant, Z-Wave devices

Highlights:
Vivint offers whole-home automation and security. Features include AI-powered cameras, 24/7 monitoring, and integration with lighting, locks, and climate control. The mobile app puts everything in one place.

Considerations: Higher upfront costs and contracts may not suit every homeowner.

SimpliSafe

For: Affordable DIY security with no contracts.

Equipment Cost: Around $199
Monitoring Fee: From $19.99/month
Contract: None (month-to-month)
Ratings: 9.8/10 expert reviews | strong customer satisfaction
Integrations: Amazon Alexa, Google Assistant

Highlights:
SimpliSafe is easy to set up and focuses on reliable security. It includes cameras, sensors, and alarms with flexible monitoring plans. Alexa and Google compatibility allow for basic voice control.

Considerations: SimpliSafe does not offer full-house automation, such as smart lighting or climate systems.

ADT

For: Nationwide brand trust and professional monitoring.

Equipment Cost: $199–$599
Monitoring Fee: From $24.99/month
Contract: Month-to-month or up to 36 months
Ratings: 9.8/10 security rating
Integrations: Amazon Alexa, Google Assistant, Z-Wave devices

Highlights:
ADT is one of the most recognized names in home security. It provides professional monitoring across multiple centers, mobile app controls, and integration with lights and locks.

Considerations: Some plans require longer contracts.

Ring

For: Budget-friendly, camera-first security.

Equipment Cost: Varies, generally low
Monitoring Fee: $19.99/month
Contract: None
Ratings: Around 4/5 customer reviews
Integrations: Amazon Alexa

Highlights:
Ring is best known for its video doorbells and security cameras. It sends real-time alerts and allows live viewing through its app. With Alexa, homeowners can control devices hands-free.

Considerations: Ring is more focused on cameras than complete automation.

Cove

For: Cost-effective security with flexible terms.

Equipment Cost: About $300
Monitoring Fee: From $17.99/month
Contract: None
Ratings: 8.7/10
Integrations: Amazon Alexa, Google Assistant

Highlights:
Cove offers budget-friendly home protection with easy DIY setup. Monitoring is affordable, and smartphone alerts keep homeowners updated.

Considerations: Cove is simpler than systems like Vivint or ADT and lacks advanced automation.

Control4

For: Luxury homes with high-end, customized automation.

Equipment Cost: High-end custom pricing
Monitoring Fee: N/A (dealer-based)
Contract: Dealer installation agreements
Ratings: Premium brand for full-home automation
Integrations: Amazon Alexa, Google Assistant, Apple HomeKit, and thousands of third-party devices

Highlights:
Control4 specializes in luxury-level automation. It integrates lighting, audio, security, and climate into one seamless system, often with elegant touchscreens and wall panels.

Considerations: Pricing is significantly higher, and installation must be done through certified dealers.

Smart Home Comparison Chart

System	Equipment Cost	Monitoring Fee	Contract	Integrations	Best For
Vivint	$450–$600+	$29.99–$39.99/mo	Mo-to-mo or 3.5–5 yrs	Alexa, Google, Z-Wave	Full-home automation + security
SimpliSafe	~$199	From $19.99/mo	None	Alexa, Google	DIY, affordable security
ADT	$199–$599	From $24.99/mo	Mo-to-mo or 36 mo	Alexa, Google, Z-Wave	Reliable nationwide monitoring
Ring	Low, varies	$19.99/mo	None	Alexa	Affordable, camera security
Cove	~$300	From $17.99/mo	None	Alexa, Google	Budget-friendly protection
Control4	High-end custom	Dealer pricing	Dealer contract	Alexa, Google, Apple, 3rd-party	Luxury whole-home automation

Final Thoughts

Smart home automation is becoming an expected feature in modern houses. From entry-level DIY systems like SimpliSafe and Ring to advanced platforms like Vivint and Control4, there’s a solution for every budget and lifestyle.

Homeowners enjoy improved convenience, energy savings, and peace of mind.
Sellers can highlight smart technology to make their homes more appealing.
Even simple devices like a smart lock or thermostat can set your home apart in the market.

Ready to Take the Next Step?

Smart home upgrades can enhance your lifestyle today and add value if you’re preparing to sell. If you’re considering buying, selling, or investing in real estate, I can help you understand which features matter most to today’s buyers.

📞 Kristine Green
Realtor®, Global Luxury Specialist
Coldwell Banker Realty
Office: 513-445-8195 | Mobile: 513-884-1754

Investing in Real Estate • Relocation • August 14, 2025

Why Late September 2025 Is the Best Time to Buy a Home—According to Experts

by Kristine Green

As summer winds down and kids return to school, many assume the best time to buy a home has passed. But for savvy homebuyers, late September—specifically the week of September 29 through October 5—offers one of the most favorable windows of the year to make a move.

According to Realtor.com, buyers who take advantage of this narrow fall window can save over $14,000 compared to peak summer prices. It’s the perfect time to step in while competition cools and motivated sellers are ready to negotiate.

Prices Drop After the Summer Rush

The summer market is known for peak prices and heavy competition. Families scramble to close before the school year starts, and sellers often price high, knowing demand will be strong.

But as we head into fall, prices begin to drop sharply. Sellers who missed the summer window are more flexible, and many reduce their asking prices to attract attention before year-end.

If you’re a buyer, this is a prime opportunity to negotiate, save money, and still enjoy a great selection of listings.

More Listings, Less Competition

Even as buyer activity slows down, fall still offers plenty of inventory. Homes listed in late summer are still available, and new listings continue to hit the market.

With fewer buyers shopping, you’ll notice several advantages:

Bidding wars are less common
Leverage shifts in your favor
Thoughtful decision-making becomes easier

This makes late September an ideal time for those who felt pressured or priced out earlier in the year.

Sellers Are More Motivated

By late September, many sellers are facing personal or financial timelines. Some want to move before the holidays, others are aiming to close before the end of Q4, and many want to avoid carrying the home into winter.

These motivations often lead to:

More flexible pricing
Willingness to offer closing cost credits
Faster response times to offers

For buyers, this opens the door to better terms and a more collaborative negotiation.

Expert Tips for Fall Buyers

Want to make the most of this seasonal sweet spot? Here’s how:

✅ Get pre-approved now so you’re ready to move quickly.
✅ Target homes on the market for 30+ days—those sellers may be more negotiable.
✅ Ask about school zones, neighborhood trends, and resale value.
✅ Partner with a local agent who knows how to capitalize on fall market timing.

Preparation makes the difference when timing your purchase right.

Why Closing Before the End of the Year Matters

Buying in late September often means you’ll close by late fall—just in time for tax season and holiday planning.

Buying before year-end comes with multiple benefits:

✅ You may qualify for homestead tax exemptions
✅ Mortgage interest and property taxes could be deductible
✅ You’ll enjoy a fresh start before the new year
✅ And you can avoid the hassle of a winter move

You’ll also lock in your rate and start building equity before January.

Let’s Build a Strategy for Your Next Move

If you’ve been waiting for the right moment to buy a home, late September may be your best opportunity this year.

As your personal real estate expert, I’m here to help you navigate the market with confidence and strategy.

📞 Call 513-445-8195 today to schedule your personalized fall homebuying consultation.

If you’re considering selling in the next 6 to 12 months, let’s talk now so we can create a tailored plan to maximize your home’s value when you’re ready to list.

Let’s make your next move your best one yet.

Homeownership Tips • Investing in Real Estate • July 30, 2025

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

by Kristine Green

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

Investing in Real Estate • July 19, 2025

Are You Putting Your Life on Hold Waiting for Interest Rates to Drop? A Smart Buyer’s Guide to Timing, Preparation, and Strategy

by Kristine Green

Buying a home is a meaningful step—financially, personally, and emotionally. In today’s market, many buyers are pressing pause, waiting for a “better time” or hoping for lower interest rates. But the housing market will always ebb and flow. The key isn’t trying to time it perfectly—it’s making a well-informed decision that aligns with your goals, your budget, and your life.

When you’re financially prepared and focused on buying the right home—not just any home—you’re already positioned for success. This guide will show you how to prepare wisely, evaluate your options clearly, and move forward with confidence when the time is right for you.

Step One: Financial Readiness Comes First

Before timing the market, make sure you’re financially prepared. The better your financial foundation, the more options you’ll have—and the faster you can act when the right home appears.

How to Prepare:

Review Your Credit Score and Reports
- Check all three bureaus for accuracy at AnnualCreditReport.com.
- Aim for a score of at least 620; 740+ unlocks the best rates.
- Pay down credit card debt and resolve any reporting errors.
Speak With a Lender for Pre-Approval
- A full pre-approval shows sellers you’re serious.
- A lender will help you understand your true buying power and walk you through loan options.
Set Aside Funds for Your Down Payment and Closing Costs
- Down payment: typically 3%–20% depending on loan type.
- Closing costs: typically 2%–5% of the purchase price, including:
  - Title insurance
  - Loan origination fees
  - Home inspection and appraisal fees
  - Prepaid property taxes and insurance
Create a Realistic Monthly Budget
- Account for property taxes, homeowners insurance, utilities, HOA dues, and maintenance—not just the mortgage payment.
Pause Major Financial Changes
- Avoid large purchases, new credit accounts, or job changes during the homebuying process.

Clarify Your Must-Haves, Wants, and Flexibility

One of the smartest things buyers can do before they start shopping is to create a clear list of priorities.

Must-Haves (Non-Negotiables)

These are essential for your lifestyle or financial goals:

Number of bedrooms and bathrooms
Price range
Specific school district, commute time, or accessibility needs
Parking or garage
Lot size or floorplan layout

Would-Like-to-Haves (Wants)

These make daily life more convenient or enjoyable:

Updated kitchen or baths
Dedicated office or bonus room
Outdoor space or fenced yard
Open floor plan or finished basement

Nice-to-Haves (Bonuses)

These are extras—not essential, but great if you find them:

Smart home tech
Pool or spa
High-end finishes or custom details
Scenic views or location perks

Know Where You’re Flexible

Ask yourself:

Could I handle a few small projects or updates if the layout is right?
Am I open to older homes with character—or do I prefer new construction?
Would I consider a different neighborhood if it offers better value?

Knowing your non-negotiables and your flexible areas helps you act with clarity and confidence, without getting distracted by emotion or pressure.

Don’t Skip Inspections and Appraisals

Even if a home looks perfect, inspections and appraisals protect your investment.

Home inspections identify structural, mechanical, or safety issues.
Appraisals ensure you’re paying fair market value and are required by most lenders.

I’ve helped buyers navigate everything from minor repairs to complex post-inspection negotiations. I’ll help you assess the situation, avoid surprises, and keep the transaction on track.

What About Interest Rates?

It’s understandable to want the lowest rate—but here’s the reality:

Interest rates rise and fall. Life moves forward. And waiting for the “perfect” rate can cause you to miss the right home, the right neighborhood, or the right opportunity for your goals.

Many smart buyers today are:

Buying within a comfortable monthly budget
Locking in fixed rates they can afford now
Planning to refinance if and when rates improve

If you’re financially prepared, there’s no reason to let interest rates stop you from making the right move for your life today. I’ll help you evaluate your numbers and build a strategy that protects your interests long-term.

Timing the Market vs. Living Your Life

Fall & Winter:

Lower buyer competition
Motivated sellers
More negotiating power

Spring & Summer:

More inventory
Higher buyer activity
Faster-paced market

The best time to buy isn’t just about the calendar—it’s about your personal goals, your financial readiness, and the right support to guide the way.

Why Who You Work With Matters

Buying a home is more than a transaction. It’s a complex process with timelines, negotiations, and big decisions. You deserve an agent who:

Knows the contracts and contingencies inside and out
Has experience solving real-world challenges
Negotiates with strategy and calm under pressure
Advocates for you from first showing to final signature

With nearly two decades as a licensed Realtor®, I’ve helped hundreds of clients navigate changing markets, inspection issues, low appraisals, competitive offers, and more. You’ll never feel lost or alone in the process.

Ready to Make Your Move?

Whether you’re buying, selling, or simply exploring your options, I’m here to help you navigate the market with clarity, strategy, and results. Let’s connect and create a plan tailored to your goals. As always, feel free to call: 513-445-8195

Kristine Green
Top Realtor® | #1 Brokerage in Cincinnati
Global Luxury & Local Expertise | Client-Focused | Proven Results
Successfully Serving Cincinnati Homes & Businesses Since 2007

Investing in Real Estate • June 30, 2025

June 2025 Greater Cincinnati Real Estate Market Update

by Kristine Green

Summer is here, and the Greater Cincinnati real estate market is heating up too. Whether you want to buy, sell, or invest, knowing the latest trends can help you make smart choices.

🌟 What’s Happening in the Residential Market?

As of June, the median home price in Greater Cincinnati is about $375,000, which is 4% higher than last year. Many neighborhoods are seeing steady price growth as demand stays strong.

The good news for buyers? There are 18% more active listings than this time last year. That means more choices, but it also means sellers face more competition. Homes are spending an average of 24 days on the market, a bit longer than last year’s 19 days, showing buyers are taking more time before making decisions.

The average price per square foot is around $198. In many northern areas, it ranges from $190–$210/sq ft, making our market competitive but still affordable compared to bigger cities.

🔎 Expired Listings: A Warning for Sellers

Greater Cincinnati has more expired and withdrawn listings this summer. When a home doesn’t sell before the listing contract ends, it’s often because the price was too high or the marketing didn’t connect with buyers.

If your home didn’t sell, don’t get discouraged. Take the chance to review your price, update your home’s look, and plan a better marketing strategy. A fresh approach can help you attract buyers and get your home sold.

🏡 How Sellers Can Stand Out

Today’s buyers have more choices. To get offers, your home needs to stand out. Here’s what you can do:

✅ Get a Pre-Listing Home Inspection
Fixing problems before listing your home can build buyer trust and make negotiations smoother.

✅ Reduce Buyer Concerns
Simple updates like fresh paint, modern lighting, or updated fixtures can make your home feel move-in ready. Staging helps buyers picture themselves living there.

✅ Price It Right
Homes priced within 2-3% of true market value sell faster and for more money. Overpriced homes often sit on the market and don’t attract offers.

✅ Use Professional Marketing
High-quality photos, videos, and a strong online presence help your home grab attention. Most buyers start their search online, so your listing needs to shine.

🔑 Tips for Buyers

✅ Get Pre-Approved Before You Shop
In today’s competitive market, pre-approval is essential—and experienced agents like me require it! Pre-approval shows sellers you’re serious, makes your offer stronger, speeds up the buying process, and is part of the purchase contract.

✅ Look for Hidden Deals
Watch for homes that recently expired or were relisted. These sellers may be more open to negotiation, which can help you get a better deal.

🏢 What’s Happening in Commercial Real Estate?

The commercial market in Greater Cincinnati is also busy. Businesses are adjusting their space needs, investors are looking for good opportunities, and owners are updating properties to keep up with new trends.

What’s Hot: Small industrial and flexible spaces are in high demand. Companies want these spaces for e-commerce, logistics, and services. Local retail centers in busy areas are still attracting franchises and regional businesses looking for strong foot traffic.

Trends to Watch:

Flexibility Matters: Tenants want shorter leases and flexible spaces so they can adapt quickly.
Office Conversions: Owners are updating or converting old office buildings to homes or mixed-use projects as remote work continues.
Neighborhood Retail is Strong: Smaller shopping centers near neighborhoods are staying busy as shoppers prefer nearby stores over large malls.
Sustainability: Investors and tenants care more about energy-efficient buildings and eco-friendly upgrades.

Investor Interest: Many local and regional investors are buying income-producing properties. Smaller industrial buildings and grocery-anchored retail centers are especially popular.

Seller Strategies: If you plan to sell a commercial property, highlight stable leases, good tenants, and recent upgrades. Pricing your property right and using professional marketing can help it sell faster.

📢 Ready to Make Your Move?

Whether you’re selling your home, investing in commercial property, or buying your next place, having an experienced agent by your side can make all the difference. My team and I offer proven strategies, local knowledge, and personal support to help you succeed.

📞 Call 513-445-8195 for a free, no-obligation consultation.

Let’s make your next move a success!

Homeownership Tips • Investing in Real Estate • June 25, 2025

7 Home Upgrades That Help You Sell Faster (and for More) This Summer

by Kristine Green

Thinking about selling your home this summer?
You’re not alone. Summer is one of the best times to list—buyers are motivated, the weather makes showings easier, and your home looks its absolute best with all that natural light and curb appeal.

But here’s the question I hear most from homeowners:
“What should I fix or update before listing?”

The answer doesn’t have to mean a full renovation. The key is making smart, strategic updates that create a strong emotional impression—and a great return on your investment.

After helping hundreds of homeowners prepare their homes for sale, I’ve identified the 7 most effective upgrades that help homes sell faster, for more money, and with less time on the market.

🎨 1. A Fresh Coat of Paint (Interior & Front Door)

Paint is a powerful first impression tool. It instantly freshens up your space, neutralizes bold choices, and gives buyers that coveted “move-in ready” feeling. This year, grays are out—warm neutrals and natural tones are in.

Top Paint Colors for 2025:

Sherwin-Williams “Accessible Beige”
Benjamin Moore “Classic Gray”
Sherwin-Williams “Alabaster”
Farrow & Ball “Skimming Stone”

Pro Tip: Don’t forget the front door! A pop of navy, sage green, or matte black creates a clean, welcoming entrance that buyers notice immediately.

Estimated Cost: $2,000–$3,000
ROI: Up to 107%

💡 2. Modern Lighting Fixtures (Transform a Room in a Day)

Lighting has an amazing way of transforming a space—and it’s one of the easiest upgrades you can make. Dated lighting can instantly age a home, while modern fixtures add style, warmth, and sophistication.

Easy High-Impact Swaps:

Sleek pendant lighting in the kitchen or dining area
Stylish foyer chandeliers or statement entry lights
Sconces in hallways or bathrooms for that designer touch
Updated finishes like matte black, brushed gold, or bronze

Pro Tip: Install dimmer switches or smart lighting controls for added ambiance and appeal. Use warm LED bulbs to give a cozy glow during evening showings.

Estimated Cost: $500–$1,200
ROI: Moderate—but the visual payoff is major

🍽️ 3. Minor Kitchen Refresh (Big Results Without a Gut Job)

The kitchen remains the #1 selling feature of most homes—and the best part is, you don’t need a full remodel to make a strong impression.

High-ROI Kitchen Updates:

Paint outdated cabinets a warm, modern tone
Replace hardware with matte black or brushed brass
Add a simple subway tile backsplash
Install a new pull-down faucet
Declutter countertops and add fresh, natural decor

Pro Tip: Buyers notice clean lines, natural light, and consistency. Keep your color palette neutral and the space tidy—it signals that your home has been well maintained.

Estimated Cost: $3,000–$7,000
ROI: 70–80%

🚿 4. Simple Bathroom Touch-Ups

Bathrooms don’t need to be luxurious—they just need to feel fresh, clean, and functional. You can achieve a polished look with just a few budget-friendly updates.

Ideas That Impress:

Re-grout tile or caulk around tubs
Replace the mirror with a modern framed option
Upgrade the faucet or lighting
Add shelving for simple staging (towels, candles, greenery)

Pro Tip: White towels, a neutral shower curtain, and soft lighting give that “spa” feel buyers love.

Estimated Cost: $1,000–$4,000
ROI: 60–70%

🌷 5. Curb Appeal That Turns Heads

Your home’s exterior is your first showing—online and in person. A tidy, attractive front yard can make all the difference in getting buyers through the door.

Simple Ways to Boost Curb Appeal:

Fresh mulch and seasonal flowers
Trim bushes and edge the lawn
Power-wash walkways and siding
Add a modern mailbox or house numbers
Paint or replace the front door

Pro Tip: Stand across the street and snap a photo—does anything look out of place or neglected? If so, start there.

Estimated Cost: $1,500–$3,000
ROI: Up to 100%

🪵 6. Flooring That Feels Fresh and Consistent

Flooring is one of the first things buyers notice. Worn carpet or mismatched floors can make a home feel disjointed or dated. The solution? Luxury vinyl plank (LVP) or refinished hardwoods.

Why Flooring Matters:

Creates a seamless, open feel
Makes the home look move-in ready
Helps buyers visualize furniture placement and flow

Pro Tip: Stick with wide planks and natural tones for broad appeal. Avoid overly trendy patterns or cool gray tones.

Estimated Cost: $5,000–$8,000
ROI: 80%

📱 7. Smart Home Features That Buyers Love

Today’s buyers—especially millennials and Gen X—are drawn to homes with modern, tech-savvy conveniences. These upgrades are affordable, easy to install, and add serious perceived value.

Must-Have Smart Features in 2025:

Smart Locks & Video Doorbells – Keyless access and remote monitoring for safety
Smart Thermostats – Auto-adjusts temperature and saves energy
Smart Lighting – App-controlled, dimmable, and programmable
Smart Plugs & Garage Openers – Convenience and automation made simple

Pro Tip: Most devices can be controlled from your phone, and buyers love knowing they can manage their home remotely.

Estimated Cost: $500–$1,500
ROI: 60%+ and strong buyer appeal

💬 Final Thoughts: Let’s Get Your Home Market-Ready

You don’t need a complete remodel to get top dollar—just smart, focused upgrades that today’s buyers love. Whether you’re prepping now or planning ahead, these 7 improvements can help your home stand out, sell faster, and attract stronger offers.

I’m here to help you every step of the way—from walk-through advice to connecting you with trusted local vendors. If you’d like a custom plan tailored to your home, I’d love to schedule a free, no-pressure consultation.

Let’s talk strategy and get your home ready to shine this summer. 📞 513-445-8195

Coldwell Banker - Union Centre Regional Office

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