Sales:

Home sales in Loveland CO declined in January 2026, but as can be seen from the above chart, this is a typical result for the season, with January generally having the lowest monthly sales for the year. There were 81 sales, down 41.3% from the 138 sold in December 2025, and down 7.4% from the 87 homes sold in January 2025.

Prices:

Home prices increased in January 2026. The median price gained 1.3% to $529K from $522K in December 2025, while the average price rose 5.6% to $636K from $602K for the same period. Please keep in mind that these results reflect only those specific homes sold during the month and are therefore subject to random variations, while the overall price trends give a better idea of what is happening.

Inventory:

The inventory of homes for sale in Loveland CO rose in January 2026. There were 335 homes on the market at the end of the month, up 7.7% from the 311 homes for sale at the end of December 2025. The Month’s Supply of Inventory (MSI) rose to 4.1 months from December’s 2.3 months.

Sales Price vs. List Price:

In January 2026, homes in Loveland CO sold for 98.4% of asking price, up from December 2025’s 97.9%.

Summary:

When considering the fact that most of the sales data reported for January 2026 were for homes that went under contract in November and December 2025, it would be unusual to see any significant results that weren’t heavily influenced by the peak of the annual holiday season. And January 2026 looked much the same as recently-past Januarys – which is kind of a long-winded way of saying there isn’t a lot of big news in these results.

These January market reports, however, give us a nice view of the recent history of our Northern Colorado housing markets. Looking back at the last three years, the cyclical nature of real estate activity is clearly evident, as is some growth.

We can identify some structural problems as well – for instance, home prices have risen faster than income, and a substantial percentage of our population can’t afford their own home (and rents are rising too). But these aren’t unique to Northern Colorado. Conversely, there are some real strengths as well, such as our highly educated workforce, solid infrastructure, and good climate.

We’ve been through periods when the housing market was one of the major factors driving the economy. This isn’t one of those times. The market is basically in reactive mode, responding to financial, political and economic events as they happen, often unexpectedly, so there isn’t a clear direction for any sector of the economy at the present. Nor is there any solid basis for us to provide you with reliable forecasts of what’s going to happen. Regardless, we’ll be out there, watching the real estate markets closely and doing our best to keep you informed. And we’re always here to answer your questions and concerns – give us a call anytime.