This week, Stillwater and the St. Croix Valley real estate market is heating up—literally and figuratively! The Market Action Index has climbed from 49 to 52, signaling a strong seller’s market. Well‑priced listings are disappearing swiftly, while homes priced too high or in challenging condition linger.
Meanwhile, the Federal Reserve has held its benchmark interest rate steady for the fourth consecutive meeting in June 2025. While this doesn’t directly set mortgage rates, it helps keep borrowing costs—and mortgage rates—relatively stable for now. What does this mean for you?
- For sellers: It’s prime time to list. Inventory remains thin, and motivated buyers are active—especially if pricing aligns.
- For buyers: Rates aren’t rising soon—but inventory is tight. The most compelling offers may include seller-paid rate buydowns or financing incentives.
- For both: It pays to work with a savvy agent who understands how financing, rates, inventory, pricing, and market timing all intersect.
With sellers now offering flexible financing deals and buyer agents negotiating rate buydowns, transactions are becoming more creative—but also more complex. That’s why choosing a knowledgeable local expert—who can track interest‑rate dynamics, bursty inventory, and incentive trends—is critical.
Need to talk strategy? I’d love to help you navigate this competitive market.
🔍 Let’s connect and get your home's current value assessed—no pressure, just good data.
