American Mortgage Solutions
Is January a Smart Time to Buy a Home?
Why January Can Be a Great Time to Buy a Home
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Brady Webb
Every year, a lot of buyers ask me the same thing:
“Should I wait for spring to start my home search — or is January a good time to buy?”
The answer might surprise you — especially if you’re focused on value and negotiating power rather than timing the market.
Seasonal Trends Still Matter — But Not the Way Most People Think
Historically, home buying activity peaks in spring and summer when more people are out looking and kids are out of school. But that doesn’t automatically mean it’s the best financial choice. In fact, winter — especially January — often creates advantages for serious buyers:
Less Competition
Winter months tend to see fewer active buyers, and that means less competition for the homes that are listed. With fewer offers to compete against, buyers often find:
Motivated Sellers
Homes that stay on the market through the holidays and into January often indicate sellers who are serious about moving. That can translate to:
Potential for Lower Prices
Studies and housing data have shown that median sales prices in January tend to be lower than in the spring and summer months. One analysis found buyers could save around $20,000+ on a typical home by purchasing in January instead of peak seasons like May or June.
What This Means for You
Buying a home isn’t only about the best time of year. It’s about your readiness and strategy. But if you’re prepared — pre-approved, clear on your goals, and working with trusted experts — January can be a great opportunity to:
And that’s why I always say:
Don’t wait for headlines — act when you’re ready and the conditions align.
Bottom Line
If you’ve been thinking about buying a home, January shouldn’t be dismissed just because it’s winter. Less competition, more motivated sellers, and historically softer pricing can make it a strong time to explore options — especially if your financing is in order and your wish list is clear.
At American Mortgage Solutions, I’d love to help you look at what January home buying could actually mean for your numbers — affordability, monthly payments, and long-term planning. Contact Us (239) 766-8344 or (502) 327-9770.
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Copyright © 2025 American Mortgage Solutions NMLS: 1364/MB73346
Licensed in: FL, KY, IN
FL-MBR1574, KY-MB73346
Copyright © 2025 American Mortgage Solutions NMLS: 1364/MB73346
Licensed in: FL, KY, IN
FL-MBR1574, KY-MB73346
American Mortgage Solutions follows all Equal Housing laws. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. Disclaimer: Programs subject to change without notice. All borrowers must qualify per program guidelines.
These materials are not from HUD, FHA, the USDA, or the VA. These materials were not approved by any government agency. They are independent of any government agency. We are not in any way affiliated with any organization listed or referenced within this website, including HUD/FHA/USDA/VA. The inclusion of various education, information, web links, or materials are not an endorsement of the Sender or any of its employees or business partners. For information directly from HUD/FHA, visit https://www.hud.gov/guidance For information directly from the VA, visit http://www.benefits.va.gov/HOMELOANS/ For information directly from the USDA, visit http://www.usda.gov/wps/portal/usda/usdahome?navid=GRANTS_LOANS