July 2025 Ada & Canyon County Real Estate Market Update- Prices, Sales & Trends

July 2025 Ada and Canyon County Real Estate Market Update - Prices, Sales & Trends

July 2025 Ada and Canyon County real estate market update:  If you thought summer in Idaho was only about floating the Boise River, sipping iced lattes in downtown Nampa, and dodging road construction… think again. The housing market had its own kind of heatwave this July, and the numbers from Ada and Canyon counties show exactly how things are shaping up for buyers, sellers, and everyone in between. July 2025 Ada and Canyon County real estate market update.

Let's dive into the latest July 2025 housing stats and see who's riding the real estate wave - and who might need to paddle a little harder.

Ada County Market Snapshot - July 2025

• Total Single-Family Homes Sold: 899 (+11.26% YOY)

• Median Price: $549,900 (+0.49% YOY)

• Average Price: $663,808 (+0.41% YOY)

• Days on Market: 39 (down slightly from 41 last year)

• Dollar Volume: $596.7M (+11.71% YOY)

Ada County saw strong sales growth compared to last July, with prices holding steady. While the median price barely budged, buyers can breathe a little easier knowing we're not in a runaway bidding war scenario. Still, sellers have the advantage with faster days on market and steady demand.

Canyon County Market Snapshot - July 2025

• Total Single-Family Homes Sold: 453 (-6.79% YOY)

• Median Price: $429,000 (+1.31% YOY)

• Average Price: $494,158 (+2.54% YOY)

• Days on Market: 41 (down from 49 last year)

• Dollar Volume: $223.8M (-4.42% YOY)

Canyon County's market is a little more mixed. Sales dipped compared to July 2024, but prices still crept upward. The real story? Homes are selling faster than last year, showing that well-priced properties are still moving quickly - especially under $500K.

Trends & Takeaways

• Ada County: Steady pricing + more sales = healthy summer market. This suggests continued buyer demand even with mortgage rates hovering in the mid-6% range.

• Canyon County: Slight price growth but fewer sales may indicate buyers are being more selective - or waiting for the perfect home.

• Both Counties: Homes are spending less time on the market than a year ago, signaling that buyers who are ready and pre-approved still have an edge.

What This Means for Buyers & Sellers

• Buyers: In Ada County, be ready to act quickly - inventory moves fast. In Canyon County, you might find a touch more negotiating power, but don't expect deep discounts.

• Sellers: Ada County sellers are in a sweet spot with strong sales activity. Canyon County sellers should focus on presentation and pricing strategy to stand out.

Mortgage Insights

Mortgage rates in July held relatively steady, hovering in the mid-6% range for most conventional 30-year loans after a slight dip earlier in the month. The 15-year fixed and FHA/VA rates also remained competitive, with many buyers locking in just under the 6% mark. Looking ahead, most analysts expect rates to stay in a similar range through late summer, with potential for modest movement if upcoming inflation and jobs data surprise the market.

For Ada and Canyon County buyers, this means affordability conditions aren't likely to change drastically in the next month or two - but getting pre-approved now can still protect you if rates tick upward in the fall. Whether you're considering a Conventional loan, VA loan, FHA loan, or Idaho Housing down payment assistance, 1st Choice Mortgage can help you navigate the options and lock in the right program for your situation.

At 1st Choice Mortgage, we help Idaho buyers navigate this exact market - so you can spend less time stressing and more time unpacking boxes in your new home.

Call to Action:
📞 Ready to buy or sell in Ada or Canyon County? Let's talk strategy! Contact 1st Choice Mortgage today to start your journey.