Why Buy or Sell a Home in Indianapolis RIGHT NOW – November 2025 Buyer’s Market Edition
By Cara Conde, Voted Best Indianapolis Realtor 2023, 2024 & 2025
| 317-999-9888 (call/text) | Schedule Free Strategy Session
Table of Contents
Deep Dive:
The National Wake-Up Call & What It Really Means for Indianapolis
CNBC just declared the U.S. is in the strongest buyer’s market in over a decade (Nov 19, 2025 report). Nationally we’re seeing:
- 36.8% more sellers than buyers – the widest gap since 2013
- Home-price growth slowed to just +1.2% YoY
- 75 of the top 100 markets still overvalued
But here in Indianapolis, we’re living a better version of that story.
As of November 17, 2025:
- Active listings: +27% YoY (5,509 single-family homes)
- 56% of listings have already taken a price cut
- Median sales price: $315,000 (+5% YoY) with closed sales up 2.9%
Hi, I’m Cara Conde. I’ve closed over 600 transactions in Central Indiana and have been voted Best Indianapolis Realtor three years running. Learn more about me and why clients trust me →
5 Reasons This Is the Best Time to BUY in Indianapolis Since 2019
- Inventory just hit a 6-year high
Months of supply jumped from 2.1 → 4.2. My buyers are actually getting to see 8–12 homes instead of 2–3. - Sellers are giving concessions again
Average seller credit in my last 10 closings: $8,700 (repairs, closing costs, rate buydowns). - Rates are dropping faster than prices
Local 30-yr fixed at 6.31% and falling. Every 0.5% drop = $150–$200/month saved. - Beat the spring 2026 rush
Buyer activity spikes 60–80% in March. Right now sellers outnumber buyers 2.5-to-1. - New-construction incentives are insane
Builders offering $30k–$50k packages + 2-1 buydowns (effective rate ~4.5% first two years).
| Factor | November 2025 | March 2026 (Projected) |
|---|---|---|
| Inventory | +27% YoY | Tighter + higher competition |
| Avg Days on Market | 42 | ~28 |
| Price Reductions | 56% of listings | ~30% |
| Effective Rate (w/ buydown) | 4.5–5% | 5.5–6% |
4 Reasons This Is Also the Best Time to SELL in Indianapolis
- You still have massive equity – average home up 48% since 2020.
- Properly priced homes fly – my last 7 listings averaged 9.4 days on market, 101.3% of list.
- Move-up buyers are unlocking – falling rates = more listings = more chain-reaction sales.
- Avoid the spring flood – listing now means 60–70% less competition than March.
People Also Ask – Answered Personally by Cara Conde
Is November 2025 a good time to buy a house in Indianapolis?
Cara Conde: The best in six years. My buyers are getting repairs paid, closing costs covered, and rate buydowns on almost every offer.
Should I sell my Indianapolis home before spring 2026?
Cara Conde: If we price it right (within 2% of my CMA), 100% yes – half the competition and motivated buyers.
Will Indianapolis home prices crash in 2026?
Cara Conde: No evidence of a crash. Expect 2–4% growth. Waiting risks paying 8–15% more by 2027–2028.
What’s the worst mistake buyers are making right now?
Cara Conde: Waiting for 5% rates while perfect houses disappear. I just watched a client lose a Geist lakefront because they wanted “one more month.”
Real October–November 2025 Closing Wins
- Fishers: Listed $549,900 → Closed $535,000 + $12k concessions (12 days)
- Carmel Ranch: $725,000 → $740,000 all-cash (4 offers in 4 days)
- Avon New Build: $47k builder incentives + 2-1 buydown (effective rate 4.375% Years 1–2)
Your Next Step – Work With Cara Conde, Best Indianapolis Realtor
Warmly,
Cara Conde
Best Indianapolis Realtor |
📞 317-999-9888 | 📧 [email protected]
About Cara | Free Strategy Session
