Copy of Collin County December 2025: Buyers Gain Leverage as 2025 Comes to a Close

The Collin County real estate market analysis for January 2026 shows a shift toward higher inventory levels and continued negotiation leverage, even as seasonal sales volume fluctuates. Most notably, average mortgage rates have dipped to 6.23%—a figure the data explicitly highlights as "Great News for Buyers"—offering a more favorable financing environment as the new year begins.

Here is a deep dive into the key trends across the new construction, resale, and residential lease sectors.

New Construction Market: Prime Buyer Opportunities

The new construction sector in Collin County saw a modest increase in inventory to start the year. Active listings rose to 1,921, marking a 3.3% increase from December 2025 and sitting 7.5% higher than last year.

While the average list price has climbed to $454.32K , the average closed price reached $545.0K, showing a significant monthly jump of 18.8%. However, the data indicates that buyers still hold considerable power, as sellers are receiving just 89.8% of their original asking price.

Key New Construction Market Trends:

• Inventory Trends: Active listings reached 1,921, up 3.3% month-over-month and 7.5% year-over-year.

  
  

• New Listings: A surge of 767 new listings hit the market, a 45.8% increase from December.

  
  

• Sales Activity: There were 407 closed sales in January.

  
  

• Negotiation Power: Buyers are securing homes at 89.8% of the original list price, down 3.2% from the previous year.

  
  

• Time on Market: New construction properties are averaging 86 days on the market.

  
  
  
  

Resale Market: Growing Inventory and Lower Prices

The resale market experienced a slight uptick in inventory this month. Active listings grew to 3,033, a 2.0% increase from December 2025 and 11.2% higher than January 2024.

Average pricing in this sector has softened, with the average closed price dropping to $594.8K, a 3.6% decrease from the previous month and 7.4% lower than last year. This downward price trend, combined with higher inventory, signals a continuing shift toward buyer-friendly conditions.

Key Resale Market Trends:

• Inventory Levels: Active listings stand at 3,033. New listings for the month totaled 702.

  
  

• Price Dynamics: The average list price is $561.11K , while the average closed price is $594.8K.

  
  

• Sales Activity: Closed sales reached 530 for the month.

  
  

• Market Supply: The resale market currently sits at 3.50 months of supply.

  
  

• Seller Position: Sellers are receiving 93.7% of their original list price.

  
  

• Time on Market: Resale homes are moving slightly faster than new builds, averaging 72 days on market.

Rental Market: Steady and Fast-Paced

The residential lease market remains a high-velocity sector, though inventory saw a contraction. Active lease listings dropped to 2,228, a 7.1% decrease from December. However, new lease listings remain high at 1,121.

Key Rental Market Trends:

• Availability: Active listings sit at 2,228, though this is 15.3% higher than last year.

  
  

• Leasing Activity: Closed leases totaled 737.

  
  

• Lease Prices: The average list price is $2.64K , while the average closed price is $2.60K.

  
  

• Leasing Time: Rentals are the fastest-moving segment, with properties averaging just 55 days on market.

  
  

• Negotiation: Landlords are receiving 96.1% of their original list price.

Overall Market Outlook

January 2026 confirms that Collin County remains a "deal-making" environment for those looking to buy. With mortgage rates cooling to 6.23% and inventory levels significantly higher than the previous year across all residential sectors, buyers have more options and improved purchasing power.

The data shows that buyers can still expect to negotiate: in the New Construction sector, homes are closing at roughly 89.8% of the original price, while Resale buyers are paying approximately 93.7%. As the market supply hovers between 3.4 and 3.5 months, the current conditions remain, as the report concludes, "Great News for Buyers".

Important Note:

This analysis is based on data from NTREIS (North Texas Real Estate Information Systems) as of January 31, 2026.  Market conditions can change rapidly, and this report is intended for informational purposes only. It should not be considered a guarantee of future market performance.