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 Collins

02:10 Is the Northern Colorado market picking up?

03:55 Interest rates drop & buyer activity returns

06:20 Inventory growth explained (why housing moves slowly)

08:40 Why buyers should start earlier than spring

10:55 Fort Collins vs Boulder affordability reality

12:05 Price corrections vs a “flat” market

14:10 Long-term appreciation in Northern Colorado

16:10 Why major housing crashes are unlikely

18:15 Water, development & supply constraints

21:05 Real examples: homes losing (or holding) value

23:40 Best burgers in Fort Collins

27:10 Coffee shops & Old Town restaurant talk

30:25 Roofs, hail damage & insurance problems

33:15 Class 3 vs Class 4 roofs explained

35:05 Permits, basements & unpermitted work risks

37:45 ADUs, canyon homes & county enforcement

40:20 Inspections: what general inspections miss

42:55 Sewer scopes, radon & specialty inspections

45:30 HOA risks, reserves & special assessments

48:15 How to read HOA documents efficiently

50:45 Talking to neighbors before buying

53:10 Listing homes on holiday weekends

55:45 Pricing pressure on sellers & agents

58:30 71% of agents did zero deals — why it matters

01:01:45 Overpricing homes & buyer psychology

01:04:50 Long-term ownership vs short-term fear

01:07:40 Glade Reservoir overview

01:10:30 Hwy 287 reroute & property impact

01:13:15 Future growth, controversy & buyer awareness

01:16:00 Final thoughts & wrap-up