🏠 Many Would-Be Buyers Are Frozen Out of the Housing Market — But Here’s What You Can Do

Nov 11, 2025 | Buying a Property, General

Buying a home has always been one of life’s biggest milestones — but lately, it’s also become one of the toughest. A recent NPR report highlights what many of us in real estate already know: many would-be buyers feel locked out of today’s market.  Across the U.S., high home prices, limited inventory, and years of elevated mortgage rates have made it harder for new buyers to break in. The average age of a first-time buyer has climbed to around 40 years old, the highest on record. Meanwhile, many homeowners are holding onto their low-rate mortgages, keeping housing supply tight and competition high.

💰 What’s Happening in Denver

Here in the Denver metro area, we’re seeing the same national trend play out locally — steady prices and limited supply. October data showed the median price holding near $590,000, while homes spent about 35 days on the market. That’s longer than in past years, but far from a slowdown. Buyers have more time to make decisions, yet the market remains competitive. For many, the biggest hurdle is affordability. Even as mortgage rates begin to ease, monthly payments remain significantly higher than they were just a few years ago. And when well-priced homes hit the market, they’re still drawing quick offers.

🧭 What Buyers Can Do Now

If you’re waiting for “the perfect time” to buy, consider reframing your strategy. Perfect rarely happens — but prepared always wins.

  1. Get pre-approved early. Lenders can help you understand exactly what you can afford and how to strengthen your offer when the right home comes up.
  2. Look creatively. Explore nearby communities or slightly smaller homes that still meet your goals — especially if you’re a first-time buyer.
  3. Think long-term. Buying now may feel challenging, but waiting too long can mean paying more once rates drop and competition rises again.
  4. Work with a local expert. Every neighborhood behaves differently. An experienced agent can help you spot opportunities others overlook.

🌴 And If You’re Thinking Bigger…

For some of my clients, this moment has opened doors to new investment ideas — like owning in both Denver and Cabo. Whether you’re diversifying your portfolio or balancing your lifestyle, the right strategy can make real estate ownership possible in creative ways.

đź’¬ The Bottom Line

Yes, the market feels tough — but people are still buying homes every day. The key is to be ready, realistic, and strategic. If you’ve been feeling “frozen out,” now might be the perfect time to warm up your plan and take that first step.