The 2025 Market Report reveals important signals for mortgage and real estate professionals as economic and policy forces shift heading into 2026. Zillow’s latest comprehensive housing data underscores inventory gains and price patterns, the November CPI inflation report shows cooling inflation trends with implications for rates and affordability, and a major bipartisan housing bill has advanced in Congress, aiming to expand supply and improve housing policy. Here’s what to know from the latest housing data, inflation context, and legislative momentum in the 2025 Market Report.
Zillow’s 2025 Market Report: Inventory & Price Dynamics
Zillow’s November 2025 market data shows that U.S. housing inventory has continued rising, marking sustained supply growth amid changing buyer activity. Inventory is up year‑over‑year, even as active listings growth slows and time on the market extends slightly compared with recent years. Sellers and buyers are navigating a landscape where inventory has improved relative to pandemic lows but still remains tight by historical standards.
National price trends show modest shifts, with some markets experiencing slight price dips and others holding steady as affordability pressures persist. The report also highlights how these dynamics vary regionally, with the West and South leading in inventory gains while some Northeast and Midwest metros show slower growth.
This nuanced interplay between supply and pricing reflects a market adapting to elevated mortgage rates and shifting buyer preferences.
CPI & Inflation Context Impacting the 2025 Market Report
The latest inflation data through November 2025 shows that headline consumer prices rose about 2.7% year‑over‑year, lower than many economists expected and suggesting a moderation in price pressures. Core inflation also decelerated, offering signs that inflationary momentum may be cooling.
While inflation remains above the Federal Reserve’s 2% target, the slower pace could influence the central bank’s policy decisions early next year. A more moderate inflation trajectory—especially in sectors like shelter—could improve affordability over time and shape expectations for interest rate movements, impacting mortgage demand.
The delayed release of CPI data due to a lengthy government shutdown has complicated comparisons, but year‑over‑year figures offer meaningful context for how inflation intersects with housing costs and consumer choice.
Bipartisan Housing Bill Advances Amid 2025 Market Report Trends
Amid these economic trends, a major bipartisan housing bill moved through the House Financial Services Committee, signaling legislative momentum to address housing supply constraints and affordability. This bipartisan package aims to modernize federal housing programs, streamline regulatory barriers, and expand financing options for development projects.
The bill’s provisions include updates to FHA multifamily loan limits, streamlined financing for rural housing, and efforts to reduce construction barriers. This aligns with themes in the 2025 Market Report that highlight ongoing supply challenges and the need for long‑term policy solutions.
Industry stakeholders see the bill as a critical step toward unlocking supply, improving affordability, and preparing the market for future demand—especially as mortgage rates and inflation trends remain key factors for buyers and sellers.
Loan Officer Perspective
For loan officers, the 2025 Market Report offers valuable insights into current market conditions. Rising inventory and moderating price trends point to opportunities for buyers who might find increased options, while evolving inflation dynamics could affect borrower purchasing power and interest rate expectations. Staying informed on how legislative efforts may reshape housing policy will help loan officers guide clients through eligibility, financing options, and timing decisions in early 2026.
Real Estate Agent Perspective
Real estate agents can leverage insights from the 2025 Market Report to better counsel clients on market conditions. Understanding inventory shifts, regional variations, and inflation’s influence on buyer affordability are key to pricing and marketing strategies. Additionally, agents who keep abreast of bipartisan housing policy developments can position themselves as trusted advisors on how future regulations may impact housing supply, local market opportunity, and longer‑term affordability.
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Zillow | Realtor.com | Scotsman Guide
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