It’s the question on every Calgary buyer’s mind this fall: is it better to buy now, or wait until later in the year?
With headlines about interest rates, shifting inventory, and rising affordability pressures across Canada, it can feel overwhelming to know what to do. Calgary’s market, however, has its own unique story—and Fall 2025 could shape up to be an interesting season for both buyers and sellers.
Let’s break it down.
Interest Rates: Holding Steady (For Now)
Over the past two years, buyers have been watching interest rates like hawks. Heading into Fall 2025, most analysts expect rates to hold steady, with the Bank of Canada leaving the door open for small cuts late in the year if inflation continues cooling.
👉 What this means for buyers: If you’re waiting for a big rate drop, don’t hold your breath—at least not this season. A smaller cut could arrive late in 2025, but it might also trigger more buyers to jump back into the market, increasing competition.
Inventory: Finally Rising
One of Calgary’s biggest challenges in recent years has been low inventory. Sellers were holding back, while demand stayed strong. The good news for buyers is that Fall 2025 is showing more new listings across both detached homes and condos.
👉 What this means for buyers: More inventory means more choice, less frantic bidding, and a better chance of finding a property that actually fits your needs instead of settling for what’s available.
Prices: Holding Strong but Still Affordable
Despite affordability challenges in cities like Toronto and Vancouver, Calgary has remained a relative bargain. Prices rose steadily through 2023 and 2024 but are holding firm so far in 2025.
👉 What this means for buyers: Calgary continues to be one of the most affordable large Canadian cities to buy in. While prices aren’t dropping, they’re also not skyrocketing—creating a more balanced environment for serious buyers.
Seasonal Trends: Why Fall Matters
Fall is often a “sweet spot” in the Calgary market. Sellers who list now are usually motivated—they want to close before the snow hits and before the holiday slowdown. Buyers, meanwhile, benefit from less competition compared to the spring rush.
👉 What this means for buyers: Fall can be an ideal time to negotiate, especially if you’re flexible on possession dates.
Should You Buy Now or Wait?
Here’s the bottom line:
✅ Buy Now if you’ve found a home that fits your budget and lifestyle. Rates are stable, and more inventory means you’ll have options.
⏳ Wait if you’re hoping for even more selection—or if a small rate cut late in 2025 could make a real difference for your affordability. Just be prepared for more competition if rates drop.
Pro tip: Don’t try to “time” the market perfectly. Focus instead on timing your purchase to fit your life, your finances, and your goals.
FAQs: Calgary Fall 2025 Market
Q: Will interest rates drop this fall?
Most experts expect them to stay steady, with the possibility of small cuts by late 2025.
Q: Are prices going down in Calgary?
No. Prices are holding steady. Calgary is still one of the most affordable major markets in Canada.
Q: Is fall a good time to buy in Calgary?
Yes. Fall often brings motivated sellers and less buyer competition compared to spring.
Q: What if I wait until 2026?
You might see lower rates, but you’ll also likely face higher competition and possibly rising prices again.
Related Reading
The Seller’s Timeline: From Listing to Possession in Calgary
First-Time Buyer Tips for Calgary’s Market
So—should you buy now or wait?
The answer depends less on predicting the perfect market moment and more on whether you’ve found the right home that fits your life. Calgary’s Fall 2025 market is shaping up to be stable, with more inventory, steady prices, and the possibility of small rate cuts later on.
If you’re ready, don’t let fear of “what if” hold you back. And if you’re curious about what Fall 2025 means for your specific goals—whether buying or selling—let’s talk.
💬 DM me “FALL 2025” and I’ll send you my free Calgary Market Outlook Guide to help you plan your next move.
Kristen Edmunds is a Calgary-area REALTOR® and Associate Broker with KIC Realty, specializing in acreages, luxury homes, and smart buy/sell strategies. With expertise in rural properties (water wells, septic, equestrian facilities) and a client-obsessed approach, Kristen helps buyers and sellers achieve their real estate goals with confidence and ease.
