The Blog

Market Trends, Sellers, Buyers Jennifer Sesma Market Trends, Sellers, Buyers Jennifer Sesma

Columbia County NY Real Estate Market Update: October 2026

"Should we just wait for spring?" It's the question I hear most from buyers and sellers this time of year, and this fall it comes with a little more weight behind it. Mortgage rates are holding above 7%, which is starting to feel like the new normal, even though they've eased slightly from the highs at the beginning of October. Buyers who are financing are stretched to the top of their budgets, and sellers are watching the seasonal slowdown approach.

This is a hard market, no doubt. But there are opportunities in every market, and the September numbers show exactly where they are. The short version: there is no single Columbia County market right now. Once you break the numbers down by price point, the county has split into three markets that are behaving very differently heading into winter.

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Valatie NY Rental Tour: A Renovated 3-Bedroom on 50+ Private Acres with Lake Access

What does a $2,800/month rental in Valatie, NY get you? A recently renovated 3-bedroom, 1-bath home of about 1,000 square feet on a private road within a shared 50+ acre property, with central AC, a wood stove, in-unit laundry, a fenced yard, and private Knickerbocker Lake access.

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Buyers, First time homebuyer, Inflation, Financing Jennifer Sesma Buyers, First time homebuyer, Inflation, Financing Jennifer Sesma

Think Twice Before Waiting for 3% Mortgage Rates

It’s important to have a realistic vision for what you can expect this year, and that’s where the advice of expert real estate advisors is critical. You may be surprised by the impact even a mild drop in mortgage rates has on your budget. If you’re ready to buy a home now, today’s market presents the opportunity to get a more affordable mortgage rate, find your dream home, and face less competition from other buyers.

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