Is now a good time to buy in Harbor Country or Northwest Indiana?

Is now a good time to buy in Harbor Country or Northwest Indiana?

Yes—if you’re strategic. Prices in Berrien County and Porter County have been basically flat to slightly down year-over-year, and mortgage rates are hovering a bit above 6%, which means less frenzy and more leverage than peak chaos.

What “good time” actually means on the ground

Buyers can negotiate again: longer days on market and more price sensitivity vs. 2021–2022 energy.

Rate reality check: 30-year fixed averaged 6.22% (Dec 11, 2025)—not “cheap money,” but stable enough to plan.

The play: win on terms (inspection language, credits, timing, furnishings) and refinance later if rates drop.

Best use-cases for buying now

You’re targeting rare inventory (true lakefront, deeded beach, iconic architecture) where waiting often means “missed it.”

You’re holding 5–10+ years and buying lifestyle + long-term scarcity.