The headlines may scream "housing market crashing," but the real story is much more balanced—especially here in Maryland and Baltimore. Let's unpack where things truly stand and why now is still a great time to buy or sell.

📈 Interest Rates: High, But Flattening

Mortgage rates currently hover between 6.5% and 7% for a 30-year fixed loan, with Maryland-specific rates around 6.85% as of early 2025 mdrealtor.orgSmartAsset. Though these figures are higher than the historic lows of 3–4%, they’ve stabilized. Buyers with strong finances and pre-approvals are gaining the upper hand in this more predictable environment.

🔄 Buyers vs. Sellers Market

• Prices: Maryland’s median sale price was ~$451,500 in May 2025, up 1.1% year-over-year Redfin, and metro Baltimore’s list price rose 4.3% in June to about $235,000 Rocket.
  
  

• Supply: Inventory increased around 19% over last year, giving buyers more choices—but only about 2 months of supply remains Redfin+1The Washington Post+1.
  
  

• Sales Volume: Homes sold dipped roughly 7% YoY in May freddiemac.com+9Redfin+9nypost.com+9, while delistings nationally jumped 47%—yet Baltimore bucked the trend with a 6.8% rise in median prices nypost.com.
  
  

These numbers show a balanced market: more homes available, slightly longer market times, but prices staying solid.

🌟 Why You Shouldn’t Wait—With the Right Team

A slower market doesn’t equate to crash territory. With strategic pricing and expert teams, buyers are still finding excellent value, and sellers are achieving desirable terms. Think back to COVID-times: our team closed deals, secured buyer incentives, and even helped with closing costs when many thought the market had frozen.

Media "doomscrolling" can distort reality. Coverage of price cuts feels dramatic, but Maryland's equity remains strong—homes are not plummeting in value.

✅ Opportunities for Buyers & Sellers

• Buyers can take advantage of increased supply, stable rates, and competitive offers.
  
  

• Sellers are sitting on solid equity and can still secure top-dollar—especially with smart local strategy.
  
  

Even if the national tone is cautious, Maryland's fundamentals—affordability, strong job growth, desirable neighborhoods—continue to support a consistent and healthy housing market.

🔮 What the Rest of 2025 Looks Like

Expect steady appreciation (~2–5%), moderate inventory growth, and occasional rate swings tied to economic data. Actively engaged buyers and sellers in Maryland won’t be hostage to headlines. With professional insights and timing, the market remains navigable and rewarding.