September 2025
Why Mortgage Rates Matter This Fall
If you’ve been waiting for the right time to buy in Trussville, Alabama, the fall of 2025 may be your window. Mortgage rates have dipped to around 6.34%, the lowest point this year, boosting affordability for many buyers. Combined with rising inventory, this shift means you’ll have more homes to choose from—and potentially more negotiating power.
Trussville’s Market Snapshot
Trussville, one of Birmingham’s most desirable suburbs, is showing signs of balance after 2024’s slowdown. Here’s where things stand as of September 2025:
Median Sale Price: ~$400,000 (down 3.8% year-over-year, but stabilizing).
Median Listing Price: $459,900 (up 8.2% YoY, showing seller optimism).
Average Days on Market: 60–67 days (longer than prior years).
Active Inventory: 326–351 listings, the highest in years.
These numbers point to a more balanced market—buyers aren’t facing the bidding wars of 2023, and sellers are adjusting to new conditions.
What Lower Rates Mean for You as a Buyer
Falling rates can make a big difference in your monthly payment. Even a small drop can free up hundreds of dollars per month or expand the price range you qualify for. In Trussville:
More inventory gives you more options.
Longer days on market create room for negotiation.
Lower rates improve affordability, bringing homes that may have felt out of reach back into budget.
Why Trussville Remains a Top Pick
Beyond rates and pricing, Trussville continues to draw buyers because of:
Top-rated Trussville City Schools
Job growth in Birmingham’s healthcare, finance, and manufacturing sectors
Community growth projects under the Trussville 2040 Plan, including retail and mixed-use developments
These factors help sustain long-term demand, even during market fluctuations.
What Sellers Should Know
If you’re selling in Trussville this fall, expect more buyer leverage than in past years. Pricing strategically and preparing for negotiations—whether through concessions or competitive pricing—can help your home stand out.
FAQs
Will mortgage rates keep falling?
Experts expect modest declines or stability in the near term, but no return to pre-2022 lows.
Is it better to buy now or wait?
With lower rates and more inventory, fall 2025 offers strong opportunities for buyers. Waiting may mean facing higher prices if demand picks up.
How competitive is the Trussville market right now?
More balanced than in years past—buyers have more negotiating power, but homes in desirable neighborhoods still move quickly.
Final Thoughts
Trussville’s housing market is finding balance, and falling mortgage rates make this fall a smart time to consider a move. Whether you’re ready to buy or just starting to explore, Sandy Mills at EXIT Realty Southern Select is here to guide you.
Byline: Blog presented by EXIT Realty Southern Select – your trusted resource for Trussville real estate insights.
Resources: Zillow.com, Realtor.com, Redfin.com, Movoto.com, Rocket.com, Propertynavigator.attomdata.com, Redfin.com, Cahabasun.com, Instagram.com, Alabamarealtors.com, Niche.com, Youtube.com, Facebook.com, Al.com, Bhamnow.com, themortgagereports.com, cbsnews.com, fortune.com, mymortgageinsider.com, money.com, lendingtree.com, nerdwallet.com, trussvilletribune.com, alreproter.com