The 2025 Housing Market: What Military Families Need to Know

The U.S. housing market in 2025 has been full of change. While higher mortgage rates have slowed activity in some areas, experts see signs of stability and opportunity ahead. Inventory levels are improving, giving buyers more options, and prices have largely held steady despite the slower pace of sales.

For sellers, this means the market is more balanced than it was during the red-hot years of 2021 and 2022. Instead of dramatic swings, we’re seeing steadier trends—allowing military families to plan with confidence.

Federal Reserve Moves Could Unlock More Buyers

One of the most promising developments on the horizon is the possibility of Federal Reserve rate cuts. Many analysts expect reductions later this year, with mortgage rates potentially dipping closer to 6%.

Lower borrowing costs could bring more buyers into the market. For sellers, that translates into stronger demand, quicker offers, and potentially higher selling prices. If you’re considering selling before your next PCS move, timing your listing around these changes could be a smart strategy.

Military Communities: Stronger Than National Averages

Housing is always local, and areas with a strong military presence often perform differently than national averages. Bases bring a steady flow of buyers and renters, creating stability even during slower national markets.

Some examples include:

Hampton Roads, Virginia (Naval Station Norfolk, Joint Base Langley-Eustis): One of the nation’s largest concentrations of military families keeps demand strong.
San Antonio, Texas (Joint Base San Antonio): Steady PCS traffic supports housing activity despite fluctuating rates.
Fayetteville, North Carolina (Fort Liberty): Known for affordability and strong rental demand, this area continues to attract buyers and investors.
San Diego, California (Naval Base San Diego, MCAS Miramar, Camp Pendleton): Even with higher costs, turnover from military families fuels demand.
Honolulu, Hawaii (Joint Base Pearl Harbor-Hickam, Schofield Barracks): Prices are high, but military demand brings stability and opportunity for sellers.

In these markets, sellers can often count on consistent buyer interest, particularly from VA loan–eligible families.

What This Means for Military Families

Opportunities to Capture Demand

If you’re in a military-heavy community, your home will likely remain attractive to incoming families. As rates drop, expect buyers to move faster on homes that are priced right and well-prepared.

Turning PCS Moves Into an Advantage

A PCS move can feel disruptive, but it also creates opportunity. Selling during a demand upswing may give you more negotiating power.

Flexibility Pays Off

Even if your move happens sooner than expected, being prepared to sell keeps you ahead. With the right strategy, families can often list, market, and close on a home quickly—even on compressed timelines.

DIY vs. Professional Preparation

Prepping your home doesn’t need to be overwhelming. Small DIY updates—like fresh paint, landscaping, and minor repairs—go a long way. For bigger projects, professional help ensures quality and reduces stress. A balance of both often brings the best results.

Final Thoughts from a Real Estate Professional

Should you consider selling before the end of 2025? The answer may be yes. With potential rate cuts on the horizon, resilient military housing markets, and renewed buyer demand, this could be a great year to make your move.

Every market is different, and every family’s timeline is unique. But by planning early, staying flexible, and working with a trusted local expert, you can turn your next PCS move into both a financial win and a smooth transition.