People spend about 90% of their time indoors. While smoke-filled skies and hay fever dominate the news cycles, indoor air pollution is just as important and often much harder to avoid. Smoke, vapors, mold, and more can all affect indoor air quality and lead to long-term health effects.

So, what is indoor air pollution, how does it impact you, and how can you improve the indoor air quality in your home? Whether you live in a home in Boston, or an apartment in Round Rock, TX, read on to learn more.

What is indoor air pollution?

Indoor air pollution is air from indoor or outdoor sources that is harmful to breathe in. It’s usually caused by chemicals, particulates, bacteria, and viruses in the air. Many of these pollutants are found in everyday products and chemicals, making them hard to avoid. 

Additionally, outdoor air pollutants often leak indoors, affecting indoor air quality. Green, energy-efficient homes may offer a degree of protection. These homes often use higher-quality construction materials, better insulation, and newer HVAC systems that can reduce and remove chemicals and particulates. However, there is no perfect solution.

Indoor air pollution can cause mild to severe health effects that can last a day to a lifetime. Some symptoms show up after only a short exposure to pollution, including headaches and a runny nose. Others show up after years of exposure.

What causes indoor air pollution?

Indoor air pollution comes from biological and chemical sources. Let’s break these down:

“One of the most commonly overlooked sources of indoor air pollution is hidden mold growth behind walls, under flooring, or inside HVAC systems.” Green Home Solutions warns. “These areas are out of sight, so homeowners often do not realize an issue exists until it becomes widespread. In some cases, certain molds can also produce mycotoxins, which are microscopic, invisible compounds that impact indoor air quality.”

Other factors to consider

Levels of indoor air pollution vary widely depending on where you live. If you live near a large industrial area, you will likely experience higher levels of residual air pollution compared to people who live on top of a hill near the water. 

Because air pollution and economic status are related, studies have indicated that lower-income people are exposed to more pollution. Additionally, older homes with poor insulation and inefficient appliances often have more air pollution. 

Lastly, temperature, moisture, and humidity can affect the severity of air pollutants. For example, warmer temperatures can increase levels of outdoor airborne allergens, notably bacteria and pollen, which can then make their way into your home. High humidity also increases the concentration of toxic chemicals in the air and provides a good environment for dust mites.

What are VOCs?

Volatile organic compounds (VOCs) are a large group of chemicals found in many everyday products. VOCs slowly release harmful gas (“off-gas”) that can cause significant adverse health effects, including long-term illnesses such as cancer and other chronic conditions. Many VOCs appear in higher concentrations indoors (up to five times higher) than they do outdoors, regardless of where you live. 

Unfortunately, avoiding contact with VOCs is nearly impossible. Your best option is to increase ventilation, limit exposure, and store unused chemicals and harmful products outdoors or in an enclosed area. If you can, choose products made from natural materials that don’t include harmful chemicals. 

Effects of indoor air pollution

Poor indoor air quality can lead to numerous health issues. These include both short- and long-term effects, including:

• Irritation of the eyes, nose, and throat.
• Headache, fatigue, and dizziness.
• Cancer, respiratory diseases, pneumonia, and heart disease.
• Asthma triggers, both mild and severe.

The most common indoor air pollutants that cause adverse health effects are radon, carbon monoxide, Legionella bacteria, tobacco smoke, and particulates. 

Green Home Solutions says, “Persistent allergy-like symptoms such as sneezing, coughing, headaches, or fatigue, especially when they improve outside the home, can be key indicators. You may also notice increased dust buildup, condensation on windows, or inconsistent airflow throughout the home. These early clues often point to underlying moisture or ventilation issues.”

Correlations between pollutants and effects are hard to prove, and many are under-researched. The best practice is to limit exposure to as many pollutants as possible and get treatment if you begin feeling effects.

Air pollution in your home: a room-by-room analysis

Common pollutants flow throughout your home and vary by room. For example, mold grows more quickly in attics and bathrooms, kitchens are prone to gas leaks, and rooms with poor circulation can have increased bacteria levels. 

Unfortunately, there is no simple way to do a complete air quality sample to determine the number of pollutants in every room of your home. Even if you hire a professional to conduct a test, it’s nearly impossible to determine a causal relationship between pollutants and effects.

Your best bet is to reduce the number of pollutants in your home. Here is a room-by-room breakdown of common pollutants.

Kitchen 

Kitchens are a major source of indoor air pollution. Be especially careful if you have gas stoves, compost bins, or dirty ventilation; gas stoves emit carbon monoxide and carbon dioxide, and pipes can leak methane. Keep your kitchen clean to prevent pests and other bugs from making a home.

Attic

People often forget about attics, but they can foster many pollutants, especially if you store harmful chemicals in them. To avoid most risks, keep humidity below 50% to prevent moisture problems and install ventilation. Additionally, keep your attic clean to discourage pests from entering your home.

Bathroom 

Bathrooms are a source of moisture and mold. Bathrooms generally have vents, but they frequently get dirty and clogged and can do more harm than good. Insufficient cleaning and ventilation can also lead to mold and other toxins. 

Bedroom

Bedrooms are commonly home to dust mites, other parasites, and VOCs. Dust mites live off old skin in your bedding and clothing, so be sure to do your laundry and keep your room clean and dusted.

Garage 

Many people store chemical and biological pollutants in garages, such as enzymes, paint, and other building materials.These materials often contain VOCs and release harmful gasses into the air.

Also, idle your car outside the garage and keep the garage well-ventilated to minimize dangerous emissions. 

Living and dining area

Be aware of fireplaces, upholstery, and cleaning materials. Pollutants from a wood stove or fireplace can “back-draft” into the living area without a dedicated outdoor air supply. If your living room is in your basement, ensure it’s leak-proof and has adequate ventilation. 

Fireplaces, gas stoves, grills, and space heaters can emit carbon monoxide or dioxide. Install a carbon monoxide detector to help you keep safe. 

Outdoor areas

Keep yard and garden pesticides and fertilizers in the garage or an outdoor shed to prevent VOCs from spreading into your home. Make sure to wear natural gloves when handling dangerous chemicals like pesticides.

How to improve indoor air quality

Anything you bring into your home can affect the air quality throughout your home. Here are steps you can take to improve indoor air quality:

1. Switch to electric appliances

Electric appliances don’t produce emissions like methane and CO2. Additionally, eliminating natural gas in your home helps prevent gas leaks. 

2. Upgrade appliances, building materials, and HVAC systems

If you have the budget, one of the best solutions is to update your windows, flooring, insulation, and especially your appliances.

3. Vent gas appliances outside 

If you love cooking on a gas stove, make sure your hood vents outside. Many stove hoods recirculate air instead of blowing it outside.

4. Don’t burn anything indoors

Open flames produce CO2, which affects people’s lungs. Refrain from using fireplaces, burning candles, and using lighters if your situation allows. 

5. Create natural ventilation

Open your windows, close blinds, and place a fan by the window to help circulate air.

6. Install an air purifier with a HEPA filter

Air purifiers won’t eliminate pollutants but can reduce them to safe levels. Make sure to choose a filter that filters to 0.3 microns for best results. 

7. Purchase an indoor air quality monitor

Indoor air quality monitors can detect pollutants ranging from radon to PM2.5. Additionally, downloading the EPA’s air quality app can provide early warnings for air quality alerts in your area.

8. Replace HVAC and air purifier filters

Change your filter at least every three months, depending on your local air quality. 

9. Clean regularly

Vacuum, dust, wipe down, and sweep once per week – more often if you have pets, children, or a large home. Pay extra attention to porous surfaces, such as upholstery and bedding. 

10. Switch to natural cleaners

Products free from artificial preservatives, scents, and other harmful chemicals are best. If you must use unhealthy cleaners, store them outside or in a protected area. 

11. Bathe your pets

Bathing pets can seem like a lot of work, but it’s a proven way to reduce or eliminate pet dander that can aggravate allergies. 

12. Use a doormat

Doormats collect dust and debris from anyone who enters the home. 

13. Choose green materials and furniture

Look for green building materials like bamboo or wool upholstery. Unlike polyester and synthetic leather coverings, these natural materials don’t produce VOCs. 

Final thoughts on indoor air pollution

Indoor air quality is a major health concern that contributes to short- and long-term effects. Unfortunately, many everyday products and materials contribute to poor air quality, making it difficult to eliminate them. However, there are numerous ways to reduce indoor air pollution, including regular cleaning, switching to organic and natural cleaners, and installing air filters. 

Most importantly, be mindful of what you’re bringing into your home. Do research, vet products, and switch to electric appliances if possible. This not only improves your air quality but also your quality of life. 

Redfin does not provide medical advice. Always seek the advice of a qualified health provider for any questions you may have regarding your health.

The post Indoor Air Pollution: Causes, Effects, and How to Improve Your Indoor Air Quality appeared first on Redfin | Real Estate Tips for Home Buying, Selling & More.

If there’s anyone who embodies the relaxed, sun-soaked lifestyle of Central Texas, it’s Matthew McConaughey. The actor calls a stunning stretch of Lake Austin home, where waterfront estates, sweeping hill country views, and Mediterranean-inspired architecture create one of the most sought-after residential pockets near Austin.

Of course, living in a neighborhood known for celebrity residents and luxury lakefront homes comes with a hefty price tag. When you factor in multimillion-dollar home values, ongoing ownership costs, and current mortgage rates, it becomes clear that buying in this lakeside enclave requires a substantial budget. In this Redfin article, we’ll dive into a closer look at what it really costs to live in the same lakeside community as Matthew McConaughey.

What it takes to buy a home on Lake Austin

Buying a home on Lake Austin means stepping into one of Central Texas’s premier luxury housing markets, where waterfront properties often sell for several million dollars. At these price points, many buyers rely on jumbo loans and larger down payments, along with strong financial profiles to qualify for financing.

Beyond the purchase price, buyers should also factor in the ongoing costs of homeownership — including mortgage payments, property taxes, and insurance — which can significantly impact the total cost of living in this exclusive lakeside community.

Mortgage

Financing a home on Lake Austin typically means working with a jumbo mortgage, since most waterfront properties far exceed the limits for conventional conforming loans. These loans often come with stricter qualification standards, larger down payments, and higher income requirements.

To break down what living here might actually cost, we spoke with Jane Mepham, Founder and Principal Advisor at Elgon Financial Advisors. “Lake Austin is home to some of the most luxurious waterfront homes in central Texas. A quick search shows that homes here are valued between $5M and $30M. If you want to move in close to Matthew, you’ll have to spend about $7.5M, which is the average price for the current listings in the area. Let’s assume you still go with a 20% down ($1.5M), and your mortgage will be $6M. With mortgage rates this week around 7%, your monthly payment would be about $38,000.”

At that level, housing costs can exceed $480,000 per year, making high six-figure or even seven-figure household incomes common among buyers in this lakeside market.

Taxes

Property taxes are another significant expense for homeowners on Lake Austin, where high property values can translate into sizable annual tax bills. In Travis County, effective tax rates typically sit around the mid-1% range.

Jane Mepham explains, “At 1.48%, your property taxes will be about $111,000.” That’s roughly the equivalent of a $9,000+ monthly expense — before factoring in insurance or maintenance. And taxes aren’t the only ongoing expense to plan for.

Insurance

Home insurance is another important cost to consider when buying a property on Lake Austin. Waterfront homes often come with added risk factors, including flood exposure, higher rebuild costs, and unique architectural features, all of which can drive up premiums compared to standard homes in the Austin area.

As Jane Mepham notes when estimating the costs for a luxury lakefront home: “Insurance will likely be over $15,000. With these numbers, your annual cost of ownership is just over $655k, or $55k per month. This calls for an annual income of about $2M to enjoy the delights of Lake Austin, with housing accounting for about 33% of that income.”

Before even factoring in these recurring costs, buyers face a significant upfront investment.

Unique considerations for Lake Austin waterfront homes

Buying along Lake Austin involves more than choosing the right home — waterfront properties come with a set of considerations that can impact everything from construction plans to long-term resale value.

• Dock approvals and shoreline rules: Waterfront structures such as docks and boathouses must follow regulations set by the Lower Colorado River Authority (LCRA), which oversees development along the lake.
• Floodplain and elevation factors: A property’s elevation relative to the lake can influence insurance requirements and may affect what future improvements are possible.
• Lake depth and shoreline conditions: These details can determine boating accessibility and can play a role in the long-term desirability of the property.
• Orientation and privacy: Factors like sun exposure, views across the lake, and distance from neighbors can greatly shape the overall living experience.

Down payment expectations

With home prices in the multimillion-dollar range, even a small down payment can require a substantial upfront investment. For buyers exploring what’s feasible at this price point, tools like a home affordability calculator can help estimate how these costs fit into a broader financial picture.

Based on a $7.5 million home price, here’s what buyers might expect:

• 3% down: $225,000
• 10% down: $750,000
• 20% down: $1,500,000
• 30% down: $2,250,000

While lower down payment options exist, many lenders require larger down payments for jumbo loans, which are common for luxury properties in this sought-after lakeside market near Austin.

Home styles commonly seen in Lake Austin

Homes along Lake Austin reflect the area’s luxury lakefront setting and Hill Country landscape. Large lots, waterfront access, and scenic views often influence the architecture, resulting in homes that blend indoor and outdoor living. Many homeowners in this area prioritize custom design to maximize lake views, outdoor living spaces, and seamless indoor-outdoor flow — features that are central to the Lake Austin lifestyle.

Some of the most common home styles in the area include:

• Spanish-Mediterranean: Characterized by stucco exteriors, clay tile roofs, arched doorways, and shaded courtyards. These homes often feel timeless and resort-like, making them a popular choice for lakefront estates.
• Texas Hill Country modern: A blend of rustic materials like limestone and wood with contemporary layouts, large windows, and open floor plans designed to capture lake views.
• Contemporary lake homes: Sleek, modern designs with expansive glass walls, flat or low-pitched roofs, and outdoor entertaining spaces that maximize waterfront living.

What it costs to design a Spanish-Mediterranean style home

Designing a Spanish Mediterranean–style home — like Matthew McConaughey’s home on Lake Austin — often requires specialized architectural expertise to capture the style’s signature elements, such as stucco exteriors, arched openings, clay tile roofs, and handcrafted details. For luxury homes in this area, architectural planning and design are a meaningful part of the overall project budget.

According to Dan Loe, Principal Architect at Forsite Studio, design and construction costs can add up quickly for custom lake homes. “For modern luxury lake homes, architectural and design fees typically range from 8% to 12% of total construction costs. Construction costs generally start around $500 per conditioned square foot, depending on the home’s size, level of customization, and materials. Because these homes emphasize hand-crafted natural materials and have site-specific locations, investing in experienced design professionals is key to achieving an authentic, cohesive look.”

Renting vs. buying in this area

For those who want to enjoy life near Lake Austin without committing to a multimillion-dollar purchase, renting can offer a more flexible option — though it still comes at a premium compared to many other parts of Central Texas.

• Median rent throughout the greater Austin area: $3,200/month
• Estimated mortgage for a $7.5 million home in Lake Austin: $40,293/month

While renting is significantly less expensive month to month, available inventory near the lake can be limited, and many properties in the area are owner-occupied luxury homes. For buyers who plan to stay long term and can afford the upfront costs, purchasing may offer the added benefits of equity growth and long-term investment potential.

Home value trends over time

Home values around Lake Austin have generally followed the broader Austin market, which has seen significant growth over the past decade, followed by a recent period of stabilization. 

• According to Redfin data, Austin home prices have seen significant long-term growth, even as the market has cooled more recently. As of early 2026, the median home price is around $520,000 — up roughly 25% from five years ago and about 35% higher than a decade ago.

While appreciation rates can fluctuate with broader housing market conditions, exclusive waterfront neighborhoods like this often maintain strong long-term value thanks to their scarcity and desirable location.

What it really costs to live in Matthew McConaughey’s neighborhood

With estimated monthly mortgage payments near $40,000, plus property taxes of roughly $111,000 per year and insurance costs exceeding $15,000 annually, the total cost of ownership can climb to more than $55,000 per month. For buyers with the income to support it, the combination of scenic lakefront living, privacy, and close proximity to Austin makes this coveted neighborhood well worth the investment.

The post What It Really Costs to Live in Matthew McConaughey’s Neighborhood appeared first on Redfin | Real Estate Tips for Home Buying, Selling & More.

When you’re getting ready to sell, depersonalizing your home is one of the simplest ways to draw in more buyers. At its core, depersonalizing means removing or minimizing the items that reflect your life — things like family photos, collections, bold décor, or anything highly specific to your taste. The goal: help buyers picture their life in the home, not yours.

It’s a tried-and-true selling strategy because it reduces distractions, appeals to a wider range of buyers, and helps people form an emotional connection with the home more quickly. The result? Better showings and often a faster sale.

Why decluttering and depersonalizing matters

Buyers naturally gravitate toward spaces that feel comfortable, calm, and able to imagine themselves living in. Clutter or personalized décor can interrupt that experience. When rooms are clear and neutral, buyers don’t have to try to mentally remove personal belongings and instead can focus on what really matters: the home’s layout, natural light, and features. 

As Kevin Lepp of Palmetto Focus, a real estate media company in Columbia, SC explains, distractions often go beyond décor. “Some of the biggest distractions for buyers are everyday items like litter boxes, shoes left out, or cars filling the driveway. These small details can pull attention away from the home itself and make it harder for buyers to stay focused on the space.”

Marco Mendez of MM Triad Photography echoes this, emphasizing how quickly buyers form opinions based on what they see first. “My top piece of advice is that homeowners must immediately clear out all personal photographs and excessive clutter. This is the fastest way to neutralize a space and allow buyers to truly envision their own lives there.”

Decluttering and depersonalizing creates cleaner sightlines, makes rooms feel larger, and elevates your home’s overall marketability whether it’s a home in Delray Beach, FL or Aiea, HI.

Depersonalizing vs decluttering

• Decluttering is about quantity. It focuses on removing excess belongings and visual noise so rooms feel open and organized.
• Depersonalizing is about identity. It involves removing items tied to your personal history, taste, or lifestyle. This includes photos, themed décor, or collections, or anything that signals “this is my home,” rather than “this could be yours.”

According to Eric Kittleson, founder of PicAppoint, depersonalizing goes far beyond just removing a few obvious items. “Depersonalizing your home is more than removing family photos or religious items. You should consider storing anything you identify with, such as college memorabilia, sports team gear, or items that may be controversial.”

How to depersonalize your home: The 4 major living areas

To maximize impact with less overwhelm, start with the spaces that buyers see and judge most quickly. 

Bedrooms

• Remove family photos, monogrammed items, or personal collections.
• Keep nightstands clear except for something like a small accessory.
• Store extra clothes elsewhere to make closets appear more spacious.
• Use simple, hotel-style bedding in light, neutral tones.
• For kids’ rooms, minimize themed décor and leave just a couple of toys.

Bathrooms

• Clear counters of all personal products and store daily items in a basket under the sink.
• Swap colorful towels for fresh, neutral sets.
• Remove fragrances, medications, and grooming tools.
• Style the space lightly with a plant or simple soap dispenser for a spa-like feel.

Read>> How to Stage a Bathroom to Sell 

Living and family rooms

• Store excess pillows, throws, and personal décor.
• Remove bold or niche artwork and replace it with neutral pieces.
• Simplify furniture arrangements to highlight space and flow.
• Keep built-ins or mantels minimally styled, think symmetry, greenery, and subtle accents.

Kitchen

• Keep countertops mostly clear with only one or two neutral items like a bowl of fruit.
• Edit your cabinets and pantry to half-full for a sense of space.
• Remove photos, magnets, or kids’ art from the fridge.
• Tuck away small appliances, pet bowls, and specialty gadgets.
• Clean thoroughly so surfaces shine and signal cleanliness.

The team at Sheena Halling Photography emphasizes that simplifying surfaces can instantly transform how a home feels in photos and in person. “My number one tip is to clear off every surface. Countertops, nightstands, desks, beds, even the tops of washers and dryers. If it’s flat, clear it off. It instantly makes a home feel clean, clutter free and calm. This helps buyers focus on the space instead of the stuff.”

What to hide, remove, or pack away

To avoid distracting or polarizing buyers, pack up:

• Family photos or portraits.
• Collectibles, memorabilia, and hobby displays.
• Religious décor or spiritual symbols.
• Diplomas, awards, and personal achievements.
• Refrigerator photos and notes.
• Sports team décor or themed rooms.
• Highly specific lawn ornaments or door decorations.
• Personalized outdoor signage or unique garden art.

Staging while living in the home

Small habits make ongoing home staging manageable. If you’re planning to staging while still living in the home, consistency is key. Try:

• Keeping bins handy for quick clean-ups before showings.
• Using a dedicated storage space for removed décor.
• Creating a nightly reset routine: clear counters, straighten furniture, tidy surfaces.
• Pre-packing off-season clothes to maximize closet space.
• Designating a laundry basket for last-minute clutter grabs before buyers arrive.

Boosting curb appeal

Buyers form their first impression before they even step inside. Up your home’s curb appeal by:

• Removing personalized lawn décor and niche garden ornaments.
• Storing seasonal door decorations.
• Sweeping the entry and power-washing walkways.
• Adding simple, neutral planters.
• Refreshing mulch and trimming overgrown shrubs.

Read>> What is Curb Appeal?

DIY vs hiring an expert

While many sellers tackle depersonalizing and staging on their own, a real estate agent or professional stager can elevate your results. Consider:

DIY benefits

• Cost-effective
• Flexible timeline
• You know your belongings best
  

Professional benefits

• Expert eye for buyer psychology
• Access to staging inventory
• Guidance tailored to your market
• Faster preparation for photo day and showings

Joel Yocca owner of real estate photography and video production agency Absolute Altitude highlights how staging and photography work together to elevate a home’s presentation. “Staging creates a clean, intentional layout that highlights how each space functions, while professional photography enhances light, composition, and flow. Together, they present the home in a way that feels bright, balanced, and easy for buyers to connect with.”

It’s common for sellers to use a hybrid approach: tackle the basics, then bring in expert help where it counts.

Neutralizing colors, patterns, and finishes

A neutral backdrop helps buyers imagine any style they want. Consider simple updates like:

• Painting over bright accent walls with warm white, greige, light beige.
• Removing dated or patterned wallpaper.
• Using slipcovers on bold, patterned, or bulky furniture.
• Swapping out highly personalized bedding, curtains, or rugs.
• Replacing flashy hardware with simple brushed nickel or black finishes.

Add warmth without personalization

Depersonalized doesn’t mean sterile. Create an inviting atmosphere by incorporating:

• Soft textures like throw blankets or knit pillows in neutral tones.
• Simple greenery such as potted plants or faux stems.
• Warm lighting from lamps and sconces.
• Neutral wall art with abstract or natural themes.
• A cozy-but-minimal entry vignette with a mirror and plant.

As owner of Carolina House Shots, Vicki Manley points out, there’s a fine line between depersonalized and uninviting. “Most homeowners make the mistake of stripping a home completely bare when trying to depersonalize it. Removing all decor, taking down curtains, and clearing bookshelves can leave the space feeling cold and lifeless instead of inviting.”

The emotional side and next steps

Depersonalizing your home is both a practical and emotional step, but it sets the stage for better photos, more appealing showings, and a smoother sale. Once you’ve decluttered, neutralized, and packed away personal elements, you’re ready to move on to the next phase—professional photography, listing prep, and showings.

FAQs how to depersonalize your home

What is the 1/3/5 decluttering rule?

It’s a simple system: keep 1 large item, 3 medium items, and 5 small items in any given area or surface. This rule helps edit visual clutter and create balanced styling when preparing for showings.

What decreases property value the most?

Factors like neglected maintenance, outdated finishes, strong odors, cluttered rooms, and highly personalized décor can turn buyers away. Depersonalizing neutralizes these potential red flags and highlights the home’s best features.

How do I emotionally detach from a house?

Start by pre-packing personal items and photos. Focus on the home as a product for sale, not a reflection of your memories. Visualize your next chapter, and remind yourself that depersonalizing helps your home appeal to the broadest pool of buyers.

The post How to Depersonalize Your Home appeared first on Redfin | Real Estate Tips for Home Buying, Selling & More.

When it comes to curb appeal, most homeowners think about fresh paint, landscaping, or a charming front porch. But in reality, the driveway is often the very first thing buyers physically interact with, and that makes it one of the most memorable elements of a home’s exterior.

Before a buyer notices your front door color or the flower beds, they’ve already formed an opinion while pulling in, parking, and stepping out of their car. In this Redfin article, we’ll break down why your driveway plays such a key role in curb appeal and how to make sure it leaves the right impression from the moment buyers arrive.

Why driveways matter more than you think

It’s the first point of contact

Buyers experience the driveway before anything else. If it’s cracked, stained, or cluttered, it can immediately create a sense that the home hasn’t been well-maintained, even if the interior is spotless. When buyers pull up, they tend to register these details almost instantly:

• Surface condition (cracks, potholes, discoloration)
• Cleanliness (dirt, oil stains, debris)
• How well it integrates with landscaping
• Overall cohesion with the home’s style

It signals maintenance (or lack of it)

Small details, like oil stains, weeds in the cracks, or uneven surfaces, can subconsciously signal bigger maintenance issues to buyers. These early impressions can influence how buyers perceive value overall — especially when they’re already thinking about what they can realistically afford using tools like a home affordability calculator.

It impacts perceived value

Whether your home is in Charlotte, NC, or Boston, MA, value goes beyond location. Even minor upgrades to a driveway can elevate the overall look of a property, making it feel more polished and move-in ready, which buyers are often willing to pay more for.

5 easy ways to boost driveway curb appeal

Start with a deep clean

One of the quickest ways to improve your driveway is also one of the simplest. Power washing removes built-up dirt, mildew, and surface stains, instantly making the space look fresher and better maintained.

“If your concrete is in really bad shape or is discolored beyond what a good pressure wash can fix, there are two ways you can go. Each depends on the final look you want to achieve,” Antonio Thomas with Solomon Colors shares. “If you want it to look natural, we suggest a cementitious overlay like our CemCoat Plus. This adds a layer of color to your concrete, covering up any discoloration you might have. This is also good for brightening up concrete curbs around your property, like garden beds.”

“The other suggestion is a tinted sealer like our Brickform Refresh or Tinta Seal, which will also cover up discoloration. The major difference between the sealing and resurfacing options is whether the concrete is stamped and if you want a more natural finish,” Thomas explains.

Repair cracks and imperfections

Visible damage is often one of the first things buyers notice. Small cracks, potholes, or uneven areas can suggest larger maintenance concerns. Filling and sealing minor issues, or resurfacing if needed, helps create a smoother, more polished look that signals proper upkeep.

Add landscaping for softness

Driveways can feel harsh on their own, so incorporating landscaping helps balance the look. “The right approach to the end of the driveway can make your home much more welcoming and inviting,” Dave Marciniak with Revolutionary Gardens emphasizes. “Formal columns, large boulders, and lush plantings can all welcome visitors into the home. Choosing plants that either repeat or complement the plantings closer to the house can tie your whole property together, making it even easier for buyers to imagine coming home to that house.”

Define the edges

Clean edges can make a driveway feel more intentional and finished. This could be as simple as trimming back overgrown grass or as detailed as adding brick, stone, or metal borders. Either way, it creates a clearer visual boundary that enhances the overall appearance.

Invest in long-term surface solutions

For homeowners looking to enhance both appearance and durability, investing in long-term surface solutions can make a noticeable difference. “If you have colored concrete, a high-quality sealer goes a long way,” Thomas details. “People think concrete color fades over time, but this is not true. Most of the time, all they need is a good, high-quality sealer to bring back that color enhancement. This will also protect your concrete from fluids that might leak from your cars, as well as make it easier to wash later down the road.”

Design trends that stand out

If you’re looking to go beyond the basics, here are a few trends gaining traction:

• Green driveways: Incorporating grass or permeable pavers for eco-friendly appeal
• Modern minimalism: Clean lines, neutral tones, and subtle landscaping
• Curved layouts: Softer, more organic driveway shapes for larger lots
• Mixed materials: Combining concrete with stone or brick accents

“Reedy River Landscapes is embracing trends like warm, textured neutrals and permeable ribbon designs that blend sleek pavers with balanced and rhythmical planting, moving beyond cool grays and cottage aesthetics,” Chris Pluemer with the company shares. “Beyond the visual appeal, a meticulously maintained surface signals to buyers that the entire property has been expertly cared for.” 

“We enhance designs with features like integrated LED path lighting and native plantings for a polished, cohesive look. Whether choosing classic herringbone brick or a contemporary mix of gravel and grass, an upgraded driveway approach transforms a functional necessity into a memorable design statement,” explains Pluemer.

Leave a lasting first impression

Curb appeal isn’t just about what buyers see; it’s about what they experience. “Taking care of your walkways is important. It’s like the red carpet to your home. It’s the extension of your entryway. People don’t remember bad concrete, but they do remember the warm arrival and the bright difference between your home and the homes around you,” Thomas concludes. 

A well-maintained, thoughtfully designed driveway signals care, enhances the home’s appearance, and sets a positive tone before buyers even step inside. Whether it’s a simple cleaning or a more involved upgrade, investing in your driveway can pay off in both perception and value. If you’re preparing to sell, or just want your home to make a stronger first impression, start where buyers do: right at the driveway.

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Getting preapproved for a mortgage is one of the first steps in the homebuying process. It helps you understand how much you can borrow, strengthens your offer, and shows sellers you’re serious. However to get there, lenders need a clear picture of your financial life – which means gathering a few key documents. 

Here’s a breakdown of the documents needed for mortgage preapproval, why lenders ask for them, and how to prepare so you don’t hit delays.

Documents needed for mortgage preapproval

To get preapproved, lenders require documents that verify your income, assets, debts, and identity. Use this checklist to gather what you’ll need before applying:

Income:

• ☐ Recent pay stubs (last 30 days)
• ☐ W-2s from the past two years
• ☐ Federal tax returns (last two years)

Self-employed (if applicable):

• ☐ Personal and business tax returns
• ☐ Year-to-date profit and loss statement
• ☐ Business bank statements

Assets and funds:

• ☐ Checking and savings account statements (last two months)
• ☐ Investment account statements
• ☐ Retirement account statements (if using for reserves)

Identification:

• ☐ Government-issued photo ID
• ☐ Social Security number or proof of legal residency

Debts:

• ☐ Authorization for credit check
• ☐ Student loan, auto loan, and credit card statements
• ☐ Alimony or child support documentation (if applicable)

Other (sometimes required):

• ☐ Rental payment history
• ☐ Gift letter for down payment funds
• ☐ Explanation for large deposits or recent job changes

Some lenders can verify income and assets electronically, but may still request documents if anything needs clarification.

Lenders use these documents to calculate your debt-to-income ratio. Learn how it’s calculated and what it means for approval in our guide: How is Debt-to-Income Ratio Calculated?

Why lenders require documents for preapproval

A mortgage preapproval isn’t just an estimate – it’s a conditional commitment based on verified financial information. Lenders must confirm that you meet underwriting guidelines and can reasonably repay the loan.

During preapproval, lenders review documents to:

• Verify income stability and employment
• Confirm available funds for a down payment and closing costs
• Assess existing debt and financial obligations
• Check creditworthiness and recent credit activity

The more complete and accurate your documentation, the stronger your preapproval will be.

Situations that may require additional mortgage documents

Lenders may request additional documents to clarify income, employment changes, or large financial movements.

You may need extra documents if you have:

• Recent job changes
• Gaps in employment
• Bonus, commission, or overtime income
• Gift funds for your down payment
• Recent credit inquiries or new accounts
• Divorce or legal separation

Providing these upfront can prevent delays later.

How long documents stay valid for preapproval

Most mortgage preapprovals are valid for 60 to 90 days, though timelines vary by lender. Exact timelines vary by lender. After that, lenders usually require updated versions of:

• Pay stubs
• Bank statements
• Credit checks

Even within the approval window, major financial changes – like taking on new debt or changing jobs – can affect your preapproval.

Tips to prepare documents before applying

A little prep upfront can make the process much smoother:

• Gather digital copies (PDFs are ideal)
• Avoid large unexplained deposits
• Don’t open new credit accounts
• Respond quickly to lender requests
• Keep documents consistent and up to date

Even after you’re preapproved, lenders may continue to request updated or additional documents during underwriting as they finalize your loan. That’s why it’s important to stay organized, keep your financial situation consistent, and be prepared to submit documents quickly throughout your homebuying journey. Being organized upfront can significantly speed up your timeline.

The post Documents Needed for Mortgage Preapproval: Homebuyer Checklist appeared first on Redfin | Real Estate Tips for Home Buying, Selling & More.

Key Takeaways:

• Property taxes help fund essential public services and are based on the assessed value of property, not what you paid for it.
• New Jersey (1.88%), Illinois (1.88%), Connecticut (1.54%), Vermont (1.51%), and New Hampshire (1.50%) have the highest property tax rates in the country.
• Hawaii (0.29%), Alabama (0.37%), Utah (0.48%), Arizona (0.48%), and South Carolina (0.49%) have the lowest property tax rates.

Buying a home isn’t just about the purchase price. You’ll also need to budget for ongoing costs like property taxes, which can vary widely depending on where you live. Two homes with similar values can come with very different tax bills based on state and local rates. 

Below, we break down property taxes by state so you can compare where costs are highest and where you might pay less over time.

What are property taxes?

Property taxes are taxes homeowners pay based on the assessed value of their property. This applies to all types of real estate, including primary residences, investment properties, and commercial buildings. 

Your local tax assessor calculates your property tax based on methods defined by state and local laws. If you itemize deductions, property taxes may be deductible on your federal tax return.

What do property taxes pay for?

Property taxes are a major source of revenue for local governments. They help pay for things like schools, public transportation, fire departments, infrastructure, and other necessary public services and government expenses.

Property taxes by state

Keep in mind that property tax rates can vary significantly within the same state. What you ultimately pay depends on your county or city’s specific rate and your home’s assessed value. The figures below show statewide averages based on the most recent data available; your actual tax bill may differ. Effective property tax rates reflect 2024 data (the most recent available), while median sale prices are from February 2026 Redfin data.

Property taxes by state FAQs

Which states have the lowest property tax payments?

The following states have the lowest estimated property tax payments:

1. Alabama ($1,072)
2. West Virginia ($1,229)
3. Louisiana ($1,432)
4. Arkansas ($1,476)
5. Mississippi ($1,500)

Which states have the highest property tax payments?

Here are the states where you can expect to pay the most in property taxes:

1. New Jersey ($10,148)
2. New York ($7,766)
3. New Hampshire ($7,260)
4. Connecticut ($6,497)
5. Vermont ($6,224)

How are property taxes calculated?

Your annual property tax payments are determined by your home’s assessed value, which may differ from the purchase price. Local assessors determine this value using market data and state-specific formulas, then apply the local tax rate to calculate your total.

Real estate tax vs. property tax: what’s the difference?

Property taxes and real estate taxes generally refer to the same thing. The IRS uses the term “real estate tax,” while local governments and counties more commonly use “property tax.”

Some confusion may arise on the topic of personal property taxes. These apply to movable assets, like cars and boats, business equipment, and livestock, but don’t include real estate.

Do property tax exemptions exist?

Certain homeowners may qualify for property tax exemptions or reductions, depending on state and local programs. Common groups that may be eligible include:

• Veterans
• Elderly homeowners
• Homeowners with disabilities
• Low-income homeowners

The post Property Taxes by State: What You’ll Pay Based on Where You Live appeared first on Redfin | Real Estate Tips for Home Buying, Selling & More.

Key takeaways:

• It’s a good time to sell your house if you price correctly and are open to negotiation. 
• Mortgage rates have climbed to six-month highs as economic uncertainty tied to the war in Iran pushes inflation concerns higher
• There are far more home sellers than buyers, tipping the scales toward buyers—but sellers can still get competitive offers.
• Selling now could help you avoid potential price swings if the economy moves toward recession, inflation, or both.

If you’re thinking about selling your home this spring, you’re not alone. But with today’s near-record housing costs keeping people on the sidelines, it’s natural to wonder if now is the right time to take the leap.

The typical monthly housing payment has surpassed $2,700, and house prices have climbed far faster than wages since the pandemic. These costs have frozen the housing market, scaring buyers and prompting more sellers to stay put. The result is a housing market with more listings than buyers, affecting housing markets nationwide. 

The war in Iran has added to the struggles, as rising oil prices have prompted inflation fears and helped push mortgage rates to six-month highs. Other economic pressures, including AI fears, tariffs, and a cold job market, are impacting consumers as well.

So, what does this all mean for home sellers? Let’s dive into the data to help you decide if you should sell your house now, or wait.

>> Read: How to Sell Your House in 2025: A Comprehensive Guide

From Redfin’s Chief Economist

“Home sellers should prepare for a strong buyer’s market. Rising inventory has given buyers more options, but near-record costs have made them wary. Volatile mortgage rates are adding a layer of uncertainty as well, making it harder for buyers to plan and act with confidence. Those willing to brave today’s market are prepared to lead negotiations and pay a fair price.” – Daryl Fairweather, Redfin Chief Economist.

What sellers need to know about the housing market

Here are some market trends to keep an eye on before finding an agent and listing your home for sale. We’ll cover housing supply, demand, mortgage rates, and inflation.

Buyers are in charge, mostly

Nationwide, there are a record 630,000 more home sellers than buyers. So, to stay competitive, homeowners need to be flexible on pricing and willing to offer concessions. Many are doing so, but some would-be sellers are instead choosing not to list, or even delisting their homes altogether, pushing prices higher.

That said, trends vary widely across the country. In the Midwest and Northeast, there aren’t enough listings to meet demand, so sellers in cities like Rochester and Milwaukee may see bidding wars and quick sales. On the flip side, most Sun Belt cities favor buyers, as homeowners look to escape worsening climate risks and climbing insurance costs. 

Here are the top states where buyers have the upper hand, according to days on market. As a rule of thumb, the fewer days a house spends on the market, the more demand there likely is.

The economy is volatile

House prices are unaffordable, and economists are concerned that inflation could increase due to the war in Iran, tariffs, and immigration policies. These anxieties have pushed mortgage rates higher over the last two weeks, climbing from 6% to 6.45%. 

“Mortgage rates are reacting to the war in Iran, as rising energy costs and subsequent concerns over inflation and a potential recession put pressure on the economy,” said Chen Zhao, Head of Economics Research at Redfin. “Add in record-high house prices, and homebuyers are struggling through a difficult spring housing market. Unless homebuilding skyrockets or the country falls into a severe recession, housing affordability and buyer activity are unlikely to improve substantially.”

One way sellers can navigate today’s market is through phased marketing—listing a home to a smaller audience prior to registering on the MLS. Also known as pre-marketing, this approach allows sellers to test pricing and gauge demand before going fully public. Redfin and Compass recently announced a partnership where Redfin will feature Compass “Private Exclusive” and “Coming Soon” listings on Redfin.com, giving buyers access to more homes while offering sellers more flexibility in how they bring their home to market.

In these uncertain times, it’s essential to talk with your agent to decide if now is a good time to sell.

>> Read: How to Buy, Sell or Rent a Home Amid Economic Uncertainty

When is it a good time to sell your house?

Spring is generally the best time to sell, when buyers are most likely to be active. However, market trends and personal considerations matter the most. 

In today’s market, sellers should prepare for lower demand, plan ahead for their next home, and be realistic about pricing.

Here are some general rules for sellers to follow to decide if it’s a good time to sell.

>> Read: How to Sell Your House Fast – and for More Money

When is it a bad time to sell your house?

You may have no choice but to sell your house, but when these trends are at play, you’re less likely to sell quickly or above market value.

>> Read: 7 Common Home Selling Mistakes and How to Avoid Them

So, should you sell your house now?

If you are financially ready and have a great agent, now may be a good time to sell a house. 

However, home prices are sky-high, pushing more buyers to wait for a good deal. Sellers don’t have the negotiating power they’re used to, so they may need to offer incentives to attract serious offers.

Serious home sellers should connect with an agent, consider phased marketing, price competitively, and be open to offering concessions. Selling with Redfin gives you access to top-tier marketing, pre-listing support, and award-winning local agents. Qualified Redfin customers can also unlock Rocket Preferred Pricing, a program that helps you save when you buy with Redfin and finance through Rocket Mortgage.

There are always good reasons to sell your house—maybe you’re relocating, downsizing, or hoping to cash in on your home’s equity. You may also just need to move. There isn’t a right answer for everyone, but when selling in today’s unpredictable market, timing and strategy matter more than ever.

The post Should I Sell My House Now? appeared first on Redfin | Real Estate Tips for Home Buying, Selling & More.

There’s a certain satisfaction that comes with taking on a project yourself—hauling in the lumber, getting the job done with your own two hands. But when it comes time to sell that home, if the work you did—or had done—was never officially greenlit by the city, things are likely to get a little more complicated. 

That said, don’t fret; you still have options. Whether you’re moving on from a house in Santa Cruz or putting your Boston home up for sale, you can sell your house with unpermitted work – as long as you do it the right way. 

What is unpermitted work?

Unpermitted work means any renovation, repair, or addition to a home that legally required a permit but was done without one. This could be as simple as a deck extension or as major as converting a garage into a bedroom or even adding a bathroom. As Arnie Gess, President of Construction Links Network, explains, “Skipping permits may save time upfront, but it can create challenges when selling your home. From failed inspections to legal risks, the consequences can be costly.”

You might have bought the place with the unpermitted work already done. You might’ve done it yourself, figuring “good enough” was good enough. Either way, if the local building authority doesn’t have it on record, it’s technically not up to code—even if it’s built to last.

Can you sell a house with unpermitted work?

Yes, you can sell a house with unpermitted work. There’s no law saying a home with unpermitted work can’t be sold. But there are steps, risks, and disclosures that come into play. As Glenn Stein, Broker Owner of Realty Executives In The Villages, puts it, “Unpermitted work is a silent deal-killer. The moment it appears in an inspection report, the buyer gains the upper hand. The smart seller confronts it before going to market, because in real estate, control is everything, and once you lose it, you rarely get it back.”

Here are the most common issues sellers run into:

• Disclosure requirements: You’re legally obligated to tell potential buyers about known unpermitted work. Trying to hide it is not an option.
• Lender hesitation: If a buyer needs a mortgage, the unpermitted work can spook lenders. They don’t like loose ends, and they definitely don’t want to loan on a house that could bring future liability.
• Appraisal problems: Appraisers often can’t include unpermitted square footage in the home’s valuation. That sweet basement bar you built? Worth zilch in their eyes unless it’s legal.
• Insurance risks: If something goes wrong in that unpermitted addition, insurance might not cover it. Something like an electrical fire in your DIY attic office will be entirely on you. Mike LaFirenza, CEO of Construction Coverage, says, “The risk comes with unpermitted structural, electrical, or plumbing work. These can disrupt appraisals, shrink the buyer pool, and cause lender issues. Most importantly, if something goes wrong after the sale—like an electrical fire or structural failure—you could face serious legal claims if the work wasn’t fully disclosed.”

Assess the situation and document everything

Before you do anything, take stock of your situation in its entirety.

• Pull records from the city or county: Your local building department can tell you what permits were issued. If there’s no record for that second story or bathroom, it’s time to start asking questions.
• Get a contractor’s assessment: A licensed contractor can evaluate whether the unpermitted work was done to code—even if it wasn’t inspected. If it’s solid, you’ve got some ammo to reassure buyers.
• Find a home inspector: A thorough home inspection, even one you pay for up front, can ease buyer fears later. Think of it as looking up your route before a long hike—you want to know what’s waiting for you.

Should you: fix it, permit it, or sell as-is?

Once you’ve sized up the situation, you’ve got a few ways to proceed. None of them are pain-free.

1. Retroactive permitting

Some jurisdictions allow you to apply for a “retroactive” or “after-the-fact” permit. This is often the best route if you’ve done high-quality work and have the time to deal with local government.

You’ll likely need:

• Plans drawn up by an architect or engineer
• Inspections (which may involve opening walls or ceilings)
• Financial reserves to cover fees and possibly penalties

It’s not always easy, but retroactive permitting can help you sell with fewer complications.

2. Tear it out or fix it to code

In some cases, retroactive permits aren’t allowed or are more trouble than they’re worth. If the work is sloppy or dangerous, you might have no choice but to bring it up to code or remove it entirely. Jody Costello of Contractors From Hell lays it out clearly by saying, “Without required local inspections by the city or municipality, it’s easy for the contractor to pass their work as acceptable or meeting current regulations.”  Fixing this costs money. Possibly a lot. But it can make the sale smoother and safer.

3. Sell as-is and disclose everything

This is the path of least resistance, and it’s legal—so long as you don’t intentionally hide anything. Disclose the work in writing. Spell it out. Be upfront and as clear as possible.

Buyers will still bite if the price is right or the work looks good. But you might limit yourself to cash buyers or investors who don’t need financing and are used to fixer-uppers.

Should you price a house with unpermitted work lower?

Usually, yes. Homes with unpermitted work tend to sell for less than similar homes that are fully permitted. Appraisers won’t factor in unpermitted square footage, and some buyers won’t want to deal with the extra risk.

That said, if the work is well done and visible, you may still get close to market value—especially in a hot market where buyers are willing to overlook issues. Just be prepared: every negotiation will likely circle back to the same question—“What happens if the city finds out?”

Unless you’ve resolved the issue beforehand, the answer is usually that the buyer takes on the risk.

Don’t skip the paperwork

Find a Redfin real estate agent who understands how to handle this kind of thing. You need clean, thorough disclosures. You might even want to consult a real estate attorney, especially if there’s a lot of money on the line or you’re dealing with serious violations.

Oren Sofrin, Owner of EagleCashBuyers.com sums it up best by advising, “The best approach is always full disclosure on the seller’s disclosure form, pricing the home accordingly (often lower to account for buyer concerns), or pursuing retroactive permits where feasible to bring the work up to code. This mitigates liability and can make the property more appealing to traditional buyers.” Your goal isn’t to hide the past. It’s to sell your home honestly and avoid trouble down the line. 

You can sell a house with unpermitted work

Selling a house with unpermitted work isn’t a dead end—it’s just a tougher trail to walk. You’ll face more questions, more paperwork, and probably a few costs you didn’t see coming. But if you go into the process with open eyes and a steady hand, you can still successfully sell your house with unpermitted work.

The post Selling a House With Unpermitted Work: A Basic Guide to Keep Yourself Covered appeared first on Redfin | Real Estate Tips for Home Buying, Selling & More.

Key takeaways:

• If you have the means, now may be a good time to buy a house.
• Mortgage rates are holding near six-month highs due to economic pressures stemming from the Iran War.
• It’s a buyer’s market—there are 630,000 more home sellers than buyers—giving homebuyers leverage.
• Most consumers are wary due to record-high house prices, a difficult job market, and economic uncertainty, leading to a sluggish housing market.

The spring homebuying season is here, but the housing market is still stuck in a winter freeze. After a very slow 2025, the same sluggish trends are persisting into 2026: few home sales, limited listings, and near-record monthly costs. 

Adding to the difficulty, mortgage rates recently jumped to six-month highs amid renewed inflation and recession concerns tied to the war in Iran. Broader economic pressures—including political volatility, AI fears, tariff concerns, and a difficult job market—are also weighing on consumers and keeping rates elevated. 

A lot is changing, so it’s no surprise that buyers are wondering if now is the right time to take the leap.

In short, whether or not it’s a good time to buy a house boils down to if it’s a good time for you to buy a house. Let’s dive a bit deeper into today’s market trends to help you answer: “Should I buy a house now or wait?”

From Redfin’s Chief Economist

“Now is a good time to buy a home, if you can afford it. Prices keep climbing, pushing people out of the market but also giving buyers an upper hand in negotiations. But climbing mortgage rates and an uneasy economy are making everyone wary, and local housing markets vary widely. Buyers serious about making offers should consult a local agent and be confident in their finances and future income.” – Daryl Fairweather, Redfin Chief Economist.

What buyers need to know about the housing market

Here are some key market trends to keep an eye on and help you make an informed homebuying choice. We’ll cover house prices, mortgage rates, supply, and demand, and inflation.

House prices are high but could level out soon

The median U.S. sale price is $437,000—up 1.4% from a year ago. House prices are nearly 30% higher than they were five years ago. 

Because affordability has been so strained, many prospective buyers are holding out for better deals, causing inventory to build up. Sellers have recently begun taking notice, with more pulling their homes from the market in response. This push-pull dynamic is keeping prices higher and pushing demand down. 

Even so, Redfin predicts that affordability will improve this year, as wages outpace home prices and inflation.

>> Read: Redfin’s Weekly Economic Breakdown

Mortgage rates have skyrocketed

As of April 6th, the weekly average 30-year fixed mortgage rate sits at 6.43%—down from its recent peak but still significantly above where rates sat in March. 

“Mortgage rates have been elevated and volatile over the last four weeks, almost entirely because of the war in Iran and its effects on global energy prices and stock markets,” said Chen Zhao, Head of Economics Research at Redfin. “As oil and gas costs climb, experts and consumers are increasingly worried about stagflation—a combination of high inflation and slow growth—and now expect the Fed to raise rates instead of cutting them. Time will tell how the war will impact the American economy and housing market.”

Prior to this spike, rates had been trading between 6.1%-6.3% since late 2025. Redfin predicts that mortgage rates will average 6.3% for 2026.

>> Read: Monthly Payments Tick Up For First Time in 6 Months As Mortgage Rates, Home Prices Jump

How mortgage rates affect housing costs

Mortgage rates are important for buyers because they directly translate to monthly housing costs. The higher the rate, the more you pay every month. If rates drop, you can save tens of thousands over the lifetime of your mortgage. 

Let’s see how your monthly payments change with different rates, using data from our Mortgage Calculator.

Buyers have the upper hand

It’s the strongest buyers market on record: Housing inventory has risen from its post-pandemic low, particularly in the South, giving buyers more negotiating power. However, supply is still limited in parts of the Midwest and East Coast, putting sellers in charge and pushing up prices. 

In general, high costs are keeping buyers on the sidelines and freezing home sales. Some households are being forced to make major sacrifices like giving up a pet or postponing divorce in order to afford housing. Younger generations are getting hit especially hard and often turning to family for help.

Inventory is high, but falling

There are over 1.8 million homes for sale today—historically low but one of the highest March levels since the pandemic. This is the primary driver behind today’s buyer’s market. Florida and Texas have the most homes on the market today, by far.

Housing inventory is high because a larger share of sellers are listing their homes than buyers are buying them, with the biggest imbalances in disaster-prone areas in Florida. This gives today’s buyers more leverage for concessions. Homeowners are also hanging onto their houses for twice as long as 20 years ago, putting pressure on inventory.

But many sellers are now starting to pull back after realizing they can’t fetch top dollar, which is beginning to thin out the housing stock.

Demand is near an all-time low

Even with more homes on the market, buyer demand is at a record low due to high housing costs and economic uncertainty. For buyers who have the budget, this could be a good time to enter the market, as sellers may be more open to negotiation. 

Buyers have the most leverage in Austin, TX, which was the hottest market in the nation during the pandemic. Following years of price hikes and glut of new supply, though, the tech hub has now flipped to become the slowest major housing market in America. 

But there are still pockets of competition. In New York metros like Rochester and Buffalo, strong demand for affordable homes is pushing up prices and putting sellers in charge. The Bay Area has recently seen a surge in popularity, too, along with parts of the Midwest.

>> Read: The Most Competitive Housing Markets in the U.S.

How to buy in an uncertain economy

With tariffs, economic whiplash, and volatile mortgage rates, many buyers are wary of getting into the market. Here are a few tips from our economists about navigating this shifting landscape. 

• Stick to your budget: This isn’t the time to stretch financially. Recession odds are lower than they have been, but the economy is still unstable. Make sure you have enough in savings to cover mortgage payments if your income changes.
• Negotiate, negotiate: The market favors buyers, so use your leverage. There’s more inventory, and offers are increasingly coming in below asking.
• Be smart about rates: Mortgage rates are down but still relatively high. Shop around, compare lenders, and ask about “float down” options if rates drop significantly after you lock in.
• Sell before you buy: If you own a home, consider selling it first. It will give you a clearer budget and help you avoid the risk of carrying two mortgages.

>> Read: How to Buy, Sell, or Rent a Home Amid Economic Uncertainty

Are you ready to buy and own a house?

When deciding whether to buy a home in today’s climate, you’ll want to think beyond market conditions and focus on your individual circumstances. Here are some personal considerations to keep in mind.

Financial health

Take stock of your current savings, credit score, and debt levels. Can you afford a house? Or does renting make more sense? 

Housing is a long-term commitment, so you’ll want a solid emergency fund—ideally covering 3 to 6 months of expenses—for maintenance and unexpected costs.

Monthly budget

Determine how a mortgage payment at today’s rates might impact your lifestyle. Make sure you can comfortably handle monthly payments, property taxes, insurance, and other homeownership expenses.

Job and location stability

Buying a house makes sense if you plan to stay put for several years. A stable job or reliable income is crucial to avoid financial strain, especially if home prices or interest rates rise further.

Choosing your location is also essential. Is your potential home prone to flooding, wildfires, or other climate risks? This is especially important today, as insurers continue dropping homeowners at alarming rates. 

Personal goals and timelines

Think about life events, like starting a family, retiring, or relocating. These factors can make owning a home either more appealing or potentially riskier if you need to move soon.

Lifestyle preferences

Homeownership comes with ongoing responsibilities, like maintenance, repairs, and property taxes. Ask yourself if you have the time, resources, and a desire to handle them.

>> Read: Am I Ready to Buy a House? 8 Questions to Help You Decide

So, is now a good time to buy a house? 

If you have the means and are ready to own a home, now is a good time to buy a house. Rates are volatile, and with today’s high prices and volatile economy, it’s hard to know what affordability will look like down the line. But waiting for rates to fall leaves you at risk of competition among buyers and subsequent price hikes from sellers.

In a market this unpredictable, the best approach is to be prepared. Know your budget, connect with a local agent, get preapproved for a mortgage, and move quickly when the right home comes along. The longer you wait, the more competition you could see.

The post Is Now a Good Time to Buy a House? appeared first on Redfin | Real Estate Tips for Home Buying, Selling & More.

Owning a home — whether it’s a house in Brooklyn, NY or a condo in Miami, FL — comes with responsibilities that go beyond curb appeal and mortgage payments. From routine maintenance to long-term protection, it’s worth thinking about how to protect your home beyond day-to-day upkeep. 

While many buyers focus on financing options like an FHA loan, it’s just as important to think about how to protect that investment once you move in. This Redfin article breaks down how to protect your home from fire with simple, effective strategies.

1. Start where most homeowners forget: The dryer vent

When thinking about fire hazards, most people jump to kitchens or candles but your laundry room can be just as risky. Broker associate Robyn Robinson explains, “A very common overlooked fire prevention tool is to frequently check the dryer vent to the outside. Homeowners typically clean the dryer but overlook the tube that fills up with lint and isn’t visible to the eye.”

Ben Joseph, co-founder of Liberty Home Guard, reinforces just how serious this can be. “Clogged dryer vents are one of the most overlooked causes of house fires, as trapped lint can restrict airflow and lead to excess heat buildup.” Cleaning the lint trap isn’t enough. Over time, lint builds up in the vent line, restricting airflow and causing heat to accumulate which can increase the risk of overheating.

A few simple ways to keep it in check:

• Check your exterior dryer vent every few months
• Look for longer drying cycles (a key warning sign)
• Pay attention to any unusual burning smell
• Schedule a professional cleaning at least once a year

Read>> Selling a House with Fire Damage

2. Identify hidden fire hazards around your home

Beyond appliances, everyday habits can quietly increase your fire risk. Heather Stanley, Emergency Preparedness Manager for Partnership for Public Health, shares, “Homeowners should identify and reduce fire hazards like faulty wiring and overloaded plugs while maintaining working smoke alarms on every level of the home.”

This is where a quick home check can go a long way. Walk through your home and think about how you’re using electricity and heat sources. Some common things to look for:

• Plugging multiple high-powered devices into one outlet
• Ignoring flickering lights or warm outlets
• Using extension cords as permanent solutions
• Storing flammable items too close to stoves or heaters

At the same time, don’t overlook your smoke alarms. They’re your first line of defense. It can help to test alarms monthly, replace batteries regularly, and install alarms on every level and near bedrooms. These small checks are some of the most practical ways to protect your home from fire that you can implement immediately.

3. Keep fire extinguishers handy and know how to use them

Having a fire extinguisher in your home is great but in an emergency, it’s just as helpful to feel comfortable using it if needed. Heather Stanley explains, “Keep portable fire extinguishers in key areas like the kitchen or garage, and perform regular maintenance — for dry chemical models, gently inverting the unit monthly prevents the agent from compacting.”

She also adds a crucial reminder. “When using an extinguisher, remember the P.A.S.S. method (Pull, Aim, Squeeze, Sweep) and the five-second rule. If a fire can’t be controlled within five seconds, evacuate and call the fire department immediately.” This is where preparation meets action. Since fires can spread quickly, it helps to be familiar with how your equipment works ahead of time. It can help to:

• Place extinguishers in high-risk areas like kitchens and garages
• Check pressure levels and expiration dates
• Walk through how to use one with everyone in your household

4. Create and practice a family fire escape plan

Prevention is key, but preparation is what keeps people safe if you ever need to leave quickly. Heather Stanley advises, “It’s equally important to develop a family disaster plan that includes practicing escape routes and designating an outside meeting place.”

Rev. Dr. David Guadalupe EJ, Interim President and CEO of National Voluntary Organizations Active in Disaster (VOAD), adds, “Every household should maintain an emergency kit with essential supplies and ensure all family members know where it is and how to use each item.” Think of your fire escape plan as something that should work even in the middle of the night, when visibility is low and stress is high.

According to Rev. Dr. David Guadalupe EJ, your plan should include:

• Two exit routes from every room
• A clear, designated meeting spot outside
• Practice drills a few times a year
• A plan for pets, children, or elderly family members

Read>> How to Prepare for a Wildfire: 10 Essential Steps

5. Build an emergency kit you can grab quickly

If you ever have to evacuate quickly, it’s easier if essentials are already in one place. Rev. Dr. David Guadalupe EJ highlights the importance of preparation. “National VOAD members often support communities by providing smoke detectors, fire extinguishers, and other home safety and preparedness materials that can make a critical difference during an emergency.”

A well-prepared emergency kit helps you stay ready for the unexpected. Keep your kit in a place that’s easy to grab on the way out and make sure everyone knows where it is. Consider including:

• Flashlights and extra batteries
• First aid supplies
• Bottled water and non-perishable food
• Copies of important documents
• Phone chargers or portable power banks

Final thoughts: How to protect your home from fire

Protecting your home from fire doesn’t have to be complicated — it’s often just a handful of small habits that add up over time. Whether you’re a first-time homeowner or years into owning your space, staying proactive is the best way to protect what matters most.

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