Northern Colorado Real Estate Market Update | What to Expect in 2026

In this episode, Ryan Jenkins and Robert Crow discuss what’s happening in the Northern Colorado housing market as we head into spring 2026. From interest rates and inventory trends to inspections, insurance, HOAs, and long-term buyer strategy, this episode covers what buyers and sellers really need to know right now.Plus, a few Fort Collins food and coffee recommendations along the way.00:00 Winter arrives in Fort Collins02:10 Is the Northern Colorado market picking up?03:55 Interest rates drop & buyer activity returns06:20 Inventory growth explained (why housing moves slowly)08:40 Why buyers should start earlier than spring10:55 Fort Collins vs Boulder affordability reality12:05 Price corrections vs a “flat” market14:10 Long-term appreciation in Northern Colorado16:10 Why major housing crashes are unlikely18:15 Water, development & supply constraints21:05 Real examples: homes losing (or holding) value23:40 Best burgers in Fort Collins27:10 Coffee shops & Old Town restaurant talk30:25 Roofs, hail damage & insurance problems33:15 Class 3 vs Class 4 roofs explained35:05 Permits, basements & unpermitted work risks37:45 ADUs, canyon homes & county enforcement40:20 Inspections: what general inspections miss42:55 Sewer scopes, radon & specialty inspections45:30 HOA risks, reserves & special assessments48:15 How to read HOA documents efficiently50:45 Talking to neighbors before buying53:10 Listing homes on holiday weekends55:45 Pricing pressure on sellers & agents58:30 71% of agents did zero deals — why it matters01:01:45 Overpricing homes & buyer psychology01:04:50 Long-term ownership vs short-term fear01:07:40 Glade Reservoir overview01:10:30 Hwy 287 reroute & property impact01:13:15 Future growth, controversy & buyer awareness01:16:00 Final thoughts & wrap-up