14 original research reports and 14 companion articles, published by Rick Janson, JD, MBA, translate a national housing conversation into decision questions for Denver-area buyers, sellers, and investors.
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The series separates national research, seven-county Denver-area context, and illustrative financing and budget scenarios. Use the reports to frame questions, then review the facts that apply to a specific financing plan and market.
National Association of REALTORS® research was presented by Dr. Jessica Lautz, Deputy Chief Economist and Vice President of Research, at the Institute for Luxury Home Marketing Leaders in Luxury conference on October 12, 2026.
Each linked report includes its sources, calculations and limits. Local observations cover September 2026 single-family residences in Adams, Arapahoe, Boulder, Broomfield, Denver, Douglas and Jefferson counties.
For Sellers
NAR found first-time sellers in every generation displayed, including 17% of younger Baby Boomer sellers nationally. The report connects that finding with local selling conditions, and the article helps an owner plan proceeds, preparation and the next move.
For Buyers
At September 2026 county median single-family prices, the same hypothetical 20%-down, 6.5%, 30-year mortgage produces about $1,713 more monthly principal and interest in Boulder than Adams. The report and article show how to compare locations through a full ownership budget.
For Buyers and sellers
On an identical $400,000, 30-year loan, a hypothetical 6.5% rate adds about $732 a month in principal and interest compared with 3.5%. The companion article helps a homeowner compare that cost with sale proceeds, the next home and the reason for moving.
For Buyers and investors
Colorado’s FHFA all-transactions index rose 44.34% from 2020 Q1 to 2026 Q2, compared with 0.20% in the latest matching year. The study verifies the time windows behind the headlines, and the article explains how to make a purchase plan without depending on the earlier pace of appreciation.
For Buyers and sellers
A $1 million price sits very differently above the median in Adams and Boulder counties, while NAR’s national million-dollar sales share has grown since 2015. The report and article help readers judge the price band through local competition and property qualities.
For Buyers
NAR’s national figures show all-cash purchases among 30% of repeat buyers and 8% of first-time buyers. The research separates those groups, and the article helps a financed buyer prepare lender-reviewed financing, preserve reserves and assess the actual offer situation.
For Buyers
Married couples represented 50% of national first-time buyers in 2025, compared with 75% in 1985. The report and article help single and unmarried buyers frame a search around budget, property needs and a clear ownership plan.
For Buyers
NAR’s national cohort data show different mixes of assistance, savings and family support among young buyers. The study adds local down-payment scenarios, and the article helps readers verify funding terms while keeping closing costs and reserves visible.
For Buyers
In a hypothetical 6.5%, 30-year mortgage calculation, a $1,000 monthly commitment equals the principal-and-interest payment on about $158,211 of borrowing. The report and article help households account for childcare and other recurring costs before setting a homebuying budget.
For Buyers
NAR reports multigenerational purchases among 19% of Gen X buyers and 14% of all buyers nationally. The research and guide connect shared-payment scenarios with the practical questions of layout, privacy, ownership and what happens if a contribution changes.
For Sellers
A county-price gap cannot show how much cash a particular move will release or what a smaller home will cost. The report and article help owners compare actual net proceeds, layout, upkeep, location and ongoing expenses when choosing their next home.
For Sellers and investors
Five leading states accounted for 59% of international purchases in NAR’s April 2025 to March 2026 study. The report examines destination concentration and average-versus-median prices, while the article helps a Denver seller ask for property-specific evidence before positioning around this audience.
For Investors
A hypothetical $400,000, 30-year loan at 6.5% repays about $60,895 of principal in ten years. The report and article separate debt reduction from interest, operating cash flow and changes in property value when evaluating an investment.
For Sellers
A hypothetical $10,000 preparation project needs at least that much additional gross sale price to recover its spending before other costs. The seven-county sensitivity and companion article help a seller compare each project’s purpose, cost, timing and supporting property evidence.
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