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Featured Listing

For Sale: $375,000

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Market Trends Mt. Hood Real Estate September 2025

Sales for August 2025

As summertime rolls into the first days of fall we can see that August sales were still fairly strong with fifteen sales!  Pricing points sub $500,000 are the strongest. Two forest service cabins sold and one condo in Government Camp. Condo inventory in Government Camp is strong for ski season with eight opportunities available.  Current inventory sits at 74 listings. Land listings sit at 15 properties. A slight move in interest rates created a bit of a stir but we'll see if it helps out with sales this fall. There's lots of anxiety and hesitation in the market as prices adjust. Thirty two of the current 74 properties for sale have had price adjustments. 

 

      ​Real estate sales for August 2025 on Mt. Hood

 

Mt. Hood Real Estate Sales for August 2025

Attention Downsizers

Downsizing Without Debt: How More Homeowners Are Buying Their Next House in Cash



 

If you’ve been thinking about downsizing to lower your expenses, be closer to family, or just make life easier, here's a trend worth paying attention to:

More homeowners are buying their next house outright, without taking on a new mortgage. And, if you’ve owned your home for a while, you may be able to do the same. No mortgage. No monthly housing payments.

A Record Share of Homeowners Are Mortgage-Free

According to analysis from ResiClub of Census data, more than 40% of U.S. owner-occupied homes are mortgage-free an all-time high for this data series. That means 4 in 10 homeowners own their homes free and clear (see graph below):

a graph of a number of blue barsOne big reason for this trend? Demographics. As Baby Boomers age and stay in their homes longer, many have had the time to fully pay off their mortgages. You might be in that group too and not even realize just how much buying power you now have. It’s time to change that.

How Downsizers Are Turning Equity into Buying Power

As a homeowner, your equity is your biggest advantage in today’s market. If you’re mortgage-free (or close to it), it could give you the power to buy your next home in cash. That means you’d still have no mortgage payment in retirement, plus:

  • Less financial stress as you age
  • More cash flow, if you purchase a less expensive home
  • And it would likely be a faster, simpler transaction

Here's how it works. You’d sell your current house and use the proceeds to buy your next house in cash. And while that may sound like something you thought would never be possible for you, it's more realistic than you may think.

In the latest survey from John Burns Research and Consulting (JBREC) and Keeping Current Matters (KCM), agents reported the share of purchases with all-cash buyers is climbing nationally. And those agents are seeing increases in almost every region of the country (see graph below):

a graph of salesFor Baby Boomers especially, buying in cash gives you more control over your next chapter. You could buy a smaller, less expensive home and have lower costs, less upkeep, and more flexibility to enjoy what matters most. All while staying debt and stress free.

Because downsizing isn't about downgrading your home. It’s about upgrading your quality of life. And that’s something worth exploring.

Bottom Line

You’ve worked hard for your home. Now it might be time for it to work hard for you.

Let’s talk about what your house is worth, and what it could unlock for you today. What would your ideal home look like if you were to downsize right now?

Home Sales Are Expected to Rise Next Year