Can’t find the right house—or afford today’s mortgage rates? You’re not alone. More families are staying put, which makes 2025 the perfect year to invest in the home you already have. From energy-saving windows to siding that holds up against Minnesota winters, renovation is quickly becoming the smarter move than relocation.
Builder confidence has slipped, and the pace of new single-family home construction is the lowest it’s been since early 2021. According to the National Association of Home Builders (NAHB), families are staying put.
Here’s the opportunity: when fewer homes are available, the house you already own becomes more valuable. Renovations like replacing your siding, upgrading your windows, or installing a new roof don’t just protect your investment—they boost comfort and curb appeal in a market where buyers have fewer choices.
Right now, home improvement loans hover around 8%. But NAHB expects the Federal Reserve to cut rates twice before the end of 2025. That’s a direct win for homeowners.
Why it matters:
Lower monthly payments for large projects
Easier access to home equity loans
More flexibility to invest in long-lasting upgrades
If you’ve been putting off a big project, the second half of 2025 could be the best window in years to finance it.
According to Eye on Housing’s analysis of BLS data, inputs to new residential construction were 2.8% higher in July than a year ago—the largest year-over-year increase in two years. That sounds like a big jump, but in context it’s far from the price spikes many feared earlier this decade.
For homeowners, that means the cost of waiting isn’t likely to bring relief. Drafty windows and worn siding don’t fix themselves—in fact, they quietly cost you more in energy bills and repairs over time. With material costs stable and predictable, tackling upgrades now makes more sense than putting them off.
Here’s how the numbers translate for Rochester-area homeowners:
If you plan to stay put: Renovations protect your home, lower utility bills, and give you comfort all year long.
If you’re thinking about selling later: Updated exteriors make your property stand out in a market with limited inventory.
If you own rental or multifamily property: Apartment and condo construction is up more than 10% this year. Upgrading now keeps your property competitive.
The 2025 housing slowdown isn’t bad news—it’s an opportunity. With fewer new homes, stable material costs, and lower borrowing costs on the way, renovating now is the smarter choice than relocating.
If you’re ready to see what your home needs most, we’d be happy to work with you to schedule a free inspection. We promise it will be no pressure… we’ll let you know what we see, and what your options are. YOU decide what you want to do next.
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