November 30, 2025

Are North Fort Worth Buyers Finally Getting a Window? Rates Hover Near 6% Going Into Winter 2025–26

Are North Fort Worth buyers finally getting a window? With mortgage rates hovering around the mid-6% range, buyers across Southlake, Keller, Alliance, Haslet, Northlake, and Fort Worth are starting to rethink their timing. After a year of volatility, the market is finally showing signs of stability—and that shift has real implications for anyone hoping to buy before spring.

Here's what the latest data says and why this moment matters.

1. What's Happening With Rates Right Now (Nov 21, 2025)

Several major housing data sources are pointing to the same trend: Rates have steadied.

AP News reports the 30-year mortgage at 6.26%, one of the lowest points of 2025. Source: AP News, 2025-11-21
Freddie Mac's PMMS shows "little movement," suggesting a sideways pattern heading into the winter months. Source: Freddie Mac PMMS, 2025-11-20
Bankrate's daily survey shows normal fluctuations, but no major spikes or upward pressure. Source: Bankrate, 2025-11-20

For the first time in months, buyers can plan around relative stability instead of bracing for the next jump.

2. Why This Matters for North Texas Buyers

A rate between 6.2%–6.3% improves affordability more than people expect.

Buyers regain tens of thousands in purchasing power at these levels.
Payment-sensitive buyers in Alliance, Haslet, Northlake, and 76131/76052 neighborhoods are stepping back into the market.
When buyers feel the monthly payment is predictable, confidence grows—and activity follows.

In North Fort Worth, where buyers often shop by payment, not just price, even a small shift can move a buyer from "waiting" to "ready."

3. Buy Now or Wait? What the Data Says

The Texas Real Estate Research Center (TRERC) has been clear: Texas is stabilizing. We're not heading back to the 3–4% mortgages of the pandemic era. Source: TRERC, 2025-10-16

So the real question becomes: What's riskier—buying now or waiting?

Waiting could mean:

More competition in January–March as relocations kick in
Builders raising prices or reducing incentives
Losing negotiating leverage even if rates only hold steady
Paying more for the same home once multiple offers return

For many buyers, winter is the window: lower competition, motivated sellers, and stable rates.

4. Micro-Market Snapshot

Each submarket reacts differently. Here's the local picture:

Southlake / Westlake

Higher price points mean small rate adjustments = big monthly payment changes. A quarter-point move can shift affordability by hundreds per month.

Keller / Trophy Club

Early relocation activity for Q1 is already picking up. December buyer traffic is running ahead of last year.

Alliance / Haslet / Northlake

Builders are still aggressive with incentives:

Rate buydowns
Closing cost credits
Move-in ready discounts

Resale homes in these areas compete best through presentation, pricing, and strategic incentives, not by waiting for spring.

Kallie's Take

You don't time the interest rate—you time the right house.

If you're planning to stay 3–7 years, today's combination of:

Stabilizing mid-6% rates,
Motivated sellers, and
Lower winter competition

creates one of the best buying opportunities North Fort Worth has seen since early 2024.

A well-priced home paired with a predictable 6% rate can end up costing less than a "perfect" spring home that attracts multiple offers.

Ready to Explore Your Buying Window?

If you're considering buying in North Fort Worth, Keller, Haslet, Southlake, Trophy Club, or the Alliance corridor, reach out to Kallie Spencer, Broker/Owner at Ritchey Realty. You'll get a personalized analysis of payment options, neighborhood trends, and opportunities other buyers may be overlooking right now.