JULY 2025- Ft.Bragg Housing Market Report

As the summer of 2025 unfolds, the Ft. Bragg real estate market presents a captivating picture. With high interest rates influencing buyer behavior, the market is experiencing a notable cooling trend. This shift has important implications for both buyers and sellers in the area. Let’s explore the recent trends, forecasts, and their significance for you.

Current Market Overview

In July 2025, Fayetteville's housing market is undergoing significant changes. The inventory of homes for sale has increased by 21.2% compared to last year, which often indicates a cooling market. However, high interest rates lingering at high 6%s are still a significant factor, making some buyers hesitant to act.

Despite fluctuating conditions, the average home price in the Ft.Bragg region has risen by approximately 2.2% year-over-year. This is a sharp contrast to the rapid growth seen in previous years. With the current interest rates, potential buyers are more focused on affordability. For instance, a 30-year fixed mortgage on a $300,000 home at 7% could lead to monthly payments of around $1,995 (P+I only), compared to just $1,265 at a 3% rate. This stark difference from just 3 years ago makes many reconsider their purchase decisions.

Charming suburban home in Fayetteville, NC.

Military families stationed at Fort Bragg face unique housing challenges, requiring quick decisions due to frequent transfers. The current market conditions are creating uncertainty for them and others who may need to buy or sell homes quickly.

Interest Rates and Buyer Behavior

High interest rates directly impact potential buyers' enthusiasm. Many are reassessing their budgets as they navigate through the financial implications of higher mortgage payments. For example, the higher monthly payment on a $300,000 home can lead to buyers shifting their focus to lower-priced homes or delaying their purchases entirely.

Research shows that about 63% of buyers are opting to stay in their current homes rather than taking on higher mortgage costs. Others are adopting a wait-and-see approach, holding off until interest rates decrease in hopes of securing a more favorable deal. The sweet spot for many interviewed being below a 5.5%.

Impact on Seller Strategies

Sellers must rethink their approaches to stand out in a slower market. Homes are typically staying on the market for an average of 42 days, which is 44% longer than last year.

The inventory has increased 40% YOY- Meaning more options for the small pool of buyers. To draw in buyers who are cautious about making commitments, sellers should consider the following strategies:

1. Competitive Pricing: Pricing your home realistically from the start can enhance your chances of attracting buyers swiftly.

   
   

2. Home Improvements: Simple updates, such as fresh paint or landscaping, can enhance your home's appeal. A recent study found that minor kitchen and bathroom remodels can boost a home's value by as much as 80% of the investment. With Ft.Bragg being a heavy VA loan market, ensure your home will breeze through a VA Appraisal with no major mandated repairs.

3. Flexible Negotiations: Be open to negotiating price, closing costs, or including incentives to attract more buyers.

   
   

Fayetteville Home

Neighborhood Trends

Understanding neighborhood trends is essential for both buyers and sellers. Some Fayetteville areas are thriving due to their closeness to schools and Fort Bragg, while others are feeling the pressures of the cooling market more acutely.

For example, neighborhoods like Haymount and Vander are still witnessing price increases of around 5%, thanks to their desirable locations. In contrast, areas like East Fayetteville are showing longer listing times and decreasing values. Buyers and sellers should investigate these specifics to make informed decisions based on current market dynamics.

Future Outlook

As we look to the future, real estate experts predict a potential easing of interest rates towards the end of 2025. However, the outlook for the immediate future suggests a continued slow market.

For buyers, this may open doors to larger inventories, allowing for thoughtful decision-making. Although home prices are still rising slightly, increased inventory can bring peace of mind in choosing a new home. For sellers, preparing for longer periods on the market will be essential. Developing effective strategies to highlight property value will help in this competitive environment.

Welcoming front porch of a Fayetteville home.

Best Practices for Buyers

1. Get Pre-Approved: A pre-approval letter helps you understand your budget and signals to sellers that you are a serious buyer. This can be crucial in a competitive marketplace.

   
   

2. Explore Assistance Programs: Look into local or state-first-time homebuyer programs that may offer grants or special financing options. In some cases, these programs can lower your overall costs significantly.

   
   

3. Stay Informed: Regularly monitor market stats and forecasts to keep up with changing conditions. Knowledge of neighborhood trends can give you a competitive edge.

   
   

4. Act Promptly: With an increase in listings, desirable homes may still be selling quickly. Being prepared to submit an offer can boost your chances of landing the right home.

   
   

Effective Tips for Sellers

1. Maximize Curb Appeal: First impressions are critical. Invest in landscaping or minor exterior updates to draw in potential buyers.

   
   

2. Partner with a Real Estate Agent: An experienced local agent can offer valuable insights and strategies tailored to your home and neighborhood.

   
   

3. Staging Matters: Professionally staging your home helps buyers envision themselves in the space. It can lead to quicker sales and often higher offers.

   
   

4. Be Open to Flexibility: In a slower market, being willing to negotiate can make the difference between a sale or lingering on the market.

   
   

The Bottom Line

Fayetteville's housing market is evolving as we progress through July 2025. With persistent high interest rates leading to a cooler...or correcting market, both buyers and sellers need to adapt accordingly.

For buyers, this period presents a unique mix of opportunities, as higher inventory allows for more options. Sellers, on the other hand, need to enhance their property’s appeal in a more competitive environment.

By staying informed and prepared, you can navigate the changing market effectively, whether you are stepping into homeownership for the first time or selling a long-held property. Let's keep track of future trends together and prepare for what lies ahead!

Written by Vittoria "Tori" Pirolli - Broker / Owner of Birch & Beam Realty who services areas surrounding Ft.Bragg.