September 2025 Market Update: Fall Season Brings Questions About Interest Rates

September 2025 Market Update: Fall Season Brings Questions About Interest Rates

This summer’s market stayed fairly steady—no dramatic shifts, but by most measures, activity was softer than what we saw last year. Now, the focus turns to the fall selling season, which usually runs through early to mid-November before the winter holidays slow things down.

The big wild card this fall? Interest rates.

As of the first week of September, mortgage rates are sitting just below 6.3%. That puts them close to the 6% threshold many analysts believe could meaningfully boost buyer demand. But as we’ve seen in recent years, interest rates can change direction quickly—and sometimes dramatically. At the same time, stock markets just reached all-time highs, inflation data remains mixed, consumer confidence is still low, and the latest jobs report was less than encouraging.

Most experts expect the Fed to cut its benchmark rate this month—the first cut in 2025—but much depends on upcoming inflation reports. If those numbers trend in the right direction, we could see stronger momentum as we head deeper into fall.

As always, correct pricing, thoughtful preparation, and strong marketing remain essential for sellers who want the best results. For buyers, staying informed and ready to move quickly remains the key to taking advantage of opportunities when they appear.

This month’s report covers the usual supply-and-demand metrics along with detailed data on cities and towns across the region.

📍 Lamorinda Real Estate Report – September 2025

📊 Lamorinda Real Estate Market Dynamics by City

📊 The Dangers of Overpricing in East Bay Real Estate

🗺 East Bay Median Home Price Map – Alameda & Contra Costa Counties

If you’d like to talk through how these shifts may impact your next move, I’d be happy to connect. Every client’s situation is unique, and having the right strategy in place makes all the difference.

Let’s make your next step a smart one.

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