Why December is the Smartest Time to Buy a Home

The calendar is winding down, and if you're like many Northern Colorado homebuyers, you might be thinking, "I'll wait until spring to make my move." But what if waiting actually costs you more than buying now?

December presents unique financial advantages for homebuyers that disappear on January 1st. From immediate tax benefits to pricing considerations, the numbers suggest this month might be your smartest move.

The Real Cost of Waiting

Many buyers are holding out for lower interest rates, but here's what that strategy overlooks: when rates drop, competition surges. More buyers flood the market, driving up home prices. The math is straightforward—a slightly higher rate on today's price often beats a lower rate on tomorrow's inflated price tag.

Waiting six months for rates to potentially drop by half a percentage point might seem wise. But if home prices increase by even 3-5% during that time—a modest rise in Northern Colorado's active market—you'll spend more overall. On a $600,000 home, that's $18,000 to $30,000 in additional principal you'll be financing at any rate.

Tax Advantages You Can Use Right Now

Closing before December 31st unlocks immediate tax benefits for the current year. Property taxes and mortgage interest are deductible, and even a single month of homeownership can contribute to your tax return for 2025.

Your tax advisor can help you understand your specific situation, but the calendar works in your favor when you close this month. That's money back in your pocket that January closings won't provide until you file taxes in 2027.

Locking in Today's Pricing

Home prices don't reset with the calendar. Northern Colorado's housing market continues to appreciate, and construction costs keep rising. The live-in ready home you're considering today will likely cost more if you wait—whether you're buying this exact home from someone else or a similar one built later.

Windmill Homes builds with a long-term approach to value. Our designer-crafted homes feature quality materials and thoughtful layouts that hold their worth. When you buy now, you're securing today's pricing on a home that's built to last.

Skip the Spring Scramble

Spring is when most buyers make their move, which means more competition for fewer homes. Buying in December positions you ahead of that rush. You'll have more negotiating power, more attention from sellers and lenders, and none of the bidding wars that characterize peak season.

Plus, you'll already be settled when spring arrives. While others are spending weekends at open houses, you'll be enjoying your new home and community.

Move-In Ready Means Move-In Now

Several exceptional homes at Greenspire at Windsor Lake are ready for immediate occupancy. These aren't homes that need finishing touches—they're complete, with everything from designer light fixtures to finished landscaping already in place.

At 648 Greenspire, paired homes offer ranch-style living with main-floor primary suites and fully finished basements. Both units feature covered decks overlooking the community and designer finishes throughout.

The home at 783 Canoe Birch Drive combines modern design with functional spaces. This two-story residence includes a gourmet kitchen, tiled fireplace, and a primary suite with a spa-inspired bathroom. With a three-car garage and full landscaping, it's ready for you to move in and start living.

For those seeking established neighborhoods, homes at 125, 165, and 194 Boxwood Drive provide options in a mature section of Greenspire. These residences offer proximity to Windsor Lake and downtown amenities while maintaining the privacy of an established community.

The home at 743 Little Leaf Drive is a NoCO HBA 2025 Parade of Homes Golden Key Award-winning home! A thoughtfully designed two-story home inspired by modern farmhouse style in the sought-after Greenspire at Windsor Lake community.

At 31 Snowcap Drive, you'll find a single-story home that balances private living spaces with areas designed for gathering. With upscale finishes, a bright and open layout, and timeless design, this home offers the perfect blend of style and comfort.

December Advantages for the Serious Home Buyer

Moving in December also offers practical benefits beyond finances. Professional movers often have more availability and flexibility. Utility companies can schedule connections faster. Your new neighborhood is quieter, giving you time to settle in before the busy spring season.

You'll also have the holidays to make your new house feel like home. Nothing creates lasting memories quite like celebrating your first Christmas or New Year in a space that's truly yours.

Making Your Move

If you've been waiting for the right moment, the calendar and the market are both telling you it's now. These move-in-ready homes at Greenspire won't last through the new year, and neither will today's pricing.

Ready to make December your moving month? Contact our team to schedule a tour of available homes at Greenspire at Windsor Lake. We'll walk you through the financial benefits specific to your situation and show you why waiting might be the most expensive decision you make.