The Rutherford County real estate market is shifting this fall. National headlines are buzzing about a potential 50-year mortgage and builder incentives, while our local data shows buyers gaining leverage and sellers facing more competition across Murfreesboro and Middle Tennessee.
📊 Rutherford County Market Snapshot – October 2025
- Active Listings: 1,524 (up slightly from last week)
- Months of Supply: 3.44 — technically a seller’s market, but leverage favors buyers
- Closings: 442 homes (down 14 % year-over-year)
- Average Sale Price: ~$470,000 (down 2 % YoY)
- Pending Sales: Among the lowest weekly points of 2025
- Price Reductions: 42 % of active listings
What this means: Buyers have more choice and negotiating room than we’ve seen in years. Sellers can still win—if pricing, presentation, and promotion are dialed in from day one.
💰 Buyers: Why This Window Matters
Inventory is higher and sellers are motivated—especially where new construction competes with existing homes. With mortgage rates slightly improving and more homes to pick from, late fall through early winter can be an advantageous entry point before spring 2026 activity picks up again.
Start your Middle Tennessee home search or schedule a buyer consultation.
🏡 Sellers: Price & Presentation Win
Homes that are priced correctly, professionally presented, and strategically marketed are still selling quickly. Overpricing risks extended days on the market—especially with builders offering rate buydowns and incentives. We’ll help you position your home to rise above the noise.
Request your custom pricing & prep plan or review recent market updates.
📰 National Policy Watch: 50-Year Mortgages & 1 % Loans
Longer mortgage terms can reduce monthly payments but increase total interest paid. Here in Rutherford County (avg. sale price ≈ $470 K), stretching a loan from 30 to 50 years could drop payments by ~\$250-\$300 / month vs a 30-year—but cost far more over time. Meanwhile, some builders are advertising “1 % temporary rates” via aggressive buydowns to move inventory.
Want to see how different loan structures impact your payment? Ask us for a tailored scenario based on your budget.
🎥 Full Video Breakdown
🧭 Why Work With the Turner Victory Team
Since 2000, the Turner Victory Team at Onward Real Estate has helped thousands of families buy and sell across Murfreesboro, Smyrna, La Vergne, Eagleville, and every community in between. We are relationship-based, education-first, and laser-focused on your goals.
- Weekly data-driven updates you can trust
- Clear strategy for buyers, sellers and investors
- Pro negotiation to protect your bottom line
📞 Talk With a Local Expert
John Turner – Team Lead
Turner Victory Team at Onward Real Estate
1225 Garrison Dr, Suite 202, Murfreesboro, TN 37129
Cell: 615-586-0900 | Office: 615-234-5020
Email: John@TurnerVictory.com
Web: www.TurnerVictory.com
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