As summer comes to a close, it’s natural to assume the housing market begins to slow. While the pace may shift, the opportunity remains. According to the latest Illinois REALTORS® housing forecast, the Chicago Metro Area is projected to see a 5.1% increase in closed home sales in 2026, while median home prices are expected to rise nearly 5% year-over-year.

The buyers still shopping this fall aren’t simply browsing — they’re often purchasing with purpose. Whether they’re hoping to move before the holidays, relocate for work, or take advantage of changing market conditions, many enter the fall market with clear goals and the motivation to act.

Where opportunity exists this fall

• Reconnect with buyers who paused their search. Many consumers who stepped back during the busy summer months return in the fall with renewed focus.

• Take advantage of changing market dynamics. Slightly less competition can create stronger negotiating opportunities for both buyers and sellers.

• Leverage homeowners’ equity. Many move-up buyers have built significant equity that can help fund their next home purchase.

• Think beyond traditional financing. Expanded lending solutions — including renovation financing, down payment assistance, jumbo loans, and specialized programs for self-employed borrowers and investors — may open doors for clients who previously thought homeownership wasn’t within reach.

Finish the year strong!

Fall has historically been a season where committed buyers continue to make moves while many others assume the market has slowed. Those who stay engaged, continue educating their clients, and maintain consistent outreach are often well positioned to build momentum through the end of the year.

As conversations begin with clients this season, remember that every buyer’s situation is unique. Exploring all available financing options can help create solutions, remove barriers, and keep more transactions moving toward the closing table.