🕰️ Is Now the Right Time to Buy a Home in Orange County?

With interest rates, inflation, and housing supply in constant flux, many buyers are wondering if now is the right time to buy a home in Orange County. Whether you're a first-time buyer, relocating professional, or investor looking for long-term gains, understanding market conditions is key. At Notch Luxury Properties, Brett and Dane Smith provide buyers with the data—and perspective—they need to make confident decisions.

📊 The State of the Orange County Real Estate Market in 2025

As of mid-2025, Orange County remains one of the most competitive—and resilient—real estate markets in California. Here’s what we’re seeing:

• Moderate but rising inventory: More listings are hitting the market compared to 2023–2024, giving buyers more options.

• Stable pricing: Prices have leveled off after sharp gains in 2020–2022, but luxury markets like Newport Beach and Laguna Beach remain strong.

• Interest rates: Mortgage rates are fluctuating between 6–6.5%, which is still historically favorable compared to the 8–9% highs of past decades.

• Buyer demand: Steady, especially for well-priced homes in turnkey condition.

✅ Reasons to Buy Now

1. More Inventory = More Choice

With more homes hitting the market, you have better odds of finding a property that checks all your boxes—without having to settle or overpay.

2. Sellers Are More Negotiable

Homes sitting on the market for longer open the door to better deal terms. We're seeing sellers offer rate buy-downs, cover closing costs, or accept below-ask offers in some areas.

3. Interest Rates Could Climb Again

If inflation ticks back up, so will interest rates. Locking in a rate now could save you tens of thousands over the life of your loan.

4. Rental Prices Are Still High

Owning means building equity while avoiding unpredictable rent increases. In many Orange County neighborhoods, monthly mortgage payments rival or undercut rent—especially when you factor in tax deductions.

⚠️ When It Might Be Better to Wait

• You’re unsure about your job stability or future location.

• You need time to boost your credit score or down payment.

• You’re not ready to take on the responsibilities of homeownership (maintenance, taxes, etc.).

In these cases, we recommend preparing now—but waiting strategically. Brett and Dane Smith can help you build a custom timeline and connect you with lenders, financial planners, and real estate attorneys to get you fully prepared.

🔍 What Kind of Buyer Are You?

🧑‍💼 First-Time Buyer

Now is a great time to enter the market. Ask us about first-time buyer loan programs, down payment assistance, and OC communities with great long-term appreciation potential.

💼 Relocating Executive

We help busy professionals find move-in-ready homes in top-rated areas like Irvine, Dana Point, Newport Coast, and Laguna Niguel. Our concierge service makes your move seamless.

🏘️ Investor

Orange County rental demand remains high. Brett and Dane can identify properties with strong ROI, low maintenance costs, and growth potential. Bonus: Ask about 1031 exchange strategies.

📞 Ready to Take the Next Step?

Whether you're ready to buy this quarter or next year, Notch Luxury Properties will help you time the market based on your goals—not hype.

Contact Brett and Dane Smith today to discuss your buying strategy and schedule a private consultation.