Published October 4, 2026 in Market Update

More Loveland North homes sold even with mortgage rates above 7%

By Jay L McCoy

Real estate, loveland north

Rates above 7% did not stop buyers in Loveland North. That is the one fact that changes how you should think about this market right now.

Realtor.com reported that mortgage rates topped 7% in September 2026. CNBC reported the average 30-year fixed rate hit 7.30% on September 30, 2026. Those numbers raise every monthly payment. Even so, deals kept closing.

The Real Estate Data Aggregator counted 281 homes sold in ZIP 80538 for the three months ending July 31, 2026. That is up 13.3% from the same months of 2025. More homes sold even as rates climbed. So what? Sellers in Loveland North had real buyers, not just browsers.

Pending sales jumped nearly 25%

The Real Estate Data Aggregator counted 303 pending sales in ZIP 80538 for the three months ending July 31, 2026. That is up 24.7% from the same period in 2025. Pending sales show what is coming next. A jump that size says buyers were still signing contracts, not walking away.

Supply dropped, and that matters for pricing

The Real Estate Data Aggregator counted 296 homes for sale in ZIP 80538 for the three months ending July 31, 2026. That is down 13.7% from a year before. Fewer homes for sale, with more buyers closing deals, tightens the market. Months of supply fell to 3.2, down 1 full month from the same period in 2025.

The median sale price came in at $514,000, down just 0.2% from a year before, according to the Real Estate Data Aggregator. Prices dipped a little, but barely. The Federal Housing Finance Agency reported U.S. house prices rose 2.6% from July 2025 to July 2026. Loveland North held close to flat, which is a different story than the national one.

Homes took a bit longer, but most still sold near list

The Real Estate Data Aggregator put the median days on market at 59 for ZIP 80538, 6 days longer than the same period in 2025. Not every home sold fast. That is an honest admission worth knowing before you price yours.

Still, the average sale price came in at 99.2% of list price, per the Real Estate Data Aggregator. Sellers gave up very little. And the Real Estate Data Aggregator found that 34.7% of homes went under contract within two weeks of listing. Roughly 1 in 3 homes moved quickly. The rest took longer.

The Real Estate Data Aggregator also found that 17.4% of homes sold above list price, down 5.2 points from a year before. Bidding wars are less common than they were. That is worth knowing if you are a buyer.

New listings rose too

The Real Estate Data Aggregator counted 351 new listings in ZIP 80538 for the three months ending July 31, 2026, up 2.9% from a year before. More sellers came to market. Buyers had more to choose from, even as total inventory fell.

One street can read very differently from the whole ZIP code. A home on one block may sit in a pocket where prices held firmer or homes moved faster. The numbers above are the ZIP-wide picture, not your specific address.