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s Northern Colorado enters 2025, the real estate market demonstrates remarkable resilience and adaptability in the face of slower growth and affordability challenges. Despite these hurdles, high demand and favorable factors create a positive outlook for the year ahead.

    Weld County is driving Northern Colorado's growth, surpassing Larimer County in median household income ($93,287 vs $91,364) and projected to overtake it in population. Weld County's 2.55% population growth rate outpaced Larimer's 0.86%, with a robust increase expected to continue.

    The corridor between U.S. Highway 34 and Colorado Highway 56 is becoming a hub for national and regional developers, with large-scale residential, multi-family, and commercial projects planned. Weld County's available land, growth-oriented policies, and access to water make it an attractive location for development.

    Rising property insurance costs are emerging as a significant affordability challenge, driven by Colorado's high risk of hail damage, wildfires, and windstorms. This has led to a 57.9% increase in premiums between 2018 and 2023, making Colorado one of the most expensive states for homeowners insurance.

    Despite these challenges, equity-rich homeowners and cash buyers continue to stabilize the market. Nationwide, 38.8% of owner-occupied housing units are mortgage-free, and 30% of homes sold last year were all-cash transactions. Northern Colorado reflects this trend, with record levels of all-cash transactions in Larimer and Boulder counties.

    Looking ahead, Weld County is poised to lead Northern Colorado's growth in 2025, supported by robust development and new residents. Projections show a 4% increase in homes sold and a 4% annual rise in median home prices, highlighting the region's resilience and making 2025 another promising year for Northern Colorado real estate.