Fed Watch: What the October Rate Cut Means for Mortgage Rates in the Twin Cities

Fed Watch: What the October Rate Cut Means for Mortgage Rates in the Twin Cities

Updated: November 4, 2025 — Minneapolis–St. Paul

The headline

On October 29, 2025, the Federal Reserve lowered the federal-funds target range by 0.25% to 3.75%–4.00%. Fed officials signaled they’ll monitor upcoming economic data before deciding on another potential move in December.

The adjustment came in response to a cooling labor market and signs that inflation pressures, while easing, remain elevated. The central bank’s tone emphasized caution — aiming to balance job growth with continued progress on inflation.

What the Fed controls vs. what you pay

The Fed’s decision primarily affects short-term rates — things like home equity lines of…

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UNLOCKING OFF-MARKET OPPORTUNITIES: WHY ALIGNING WITH REALTORS THIS WINTER IS KEY

Unlocking Off-Market Opportunities: Why Aligning with Realtors This Winter is Key

Unlocking Off-Market Opportunities: Why Aligning with Realtors This Winter is Key

As the winter months settle in, the real estate landscape offers a unique opportunity for savvy buyers. While many people think spring is the prime time for buying and selling, aligning with realtors during the winter can help uncover valuable off-market properties. At our firm, we have found great success in connecting buyers and sellers off-market, allowing us to better understand each buyer's unique needs and preferences.

The Power of Realtor Relationships

When it comes to finding off-market properties, having the right realtor by your side can make all the difference. Here’s…

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RENTING VS. BUYING: WHICH MAKES SENSE FOR YOU IN 2025?

Renting vs. Buying: Which Makes Sense for You in 2025?

Renting vs. Buying: Which Makes Sense for You in 2025?

Should you keep renting or make the leap into homeownership? The right answer balances your numbers and your lifestyle. Below, you’ll find straightforward pros and cons, a quick cost comparison, and three real-world scenarios—a young professional, a small family, and a first-time investor—to help you decide.

At a Glance: Renting vs. Buying

Renting Pros

• Low commitment and flexibility to move.
• No responsibility for major repairs or capital improvements.
• Lower upfront costs (typically just deposit + first month’s rent).

Renting Cons

• No…

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Discovering Lake Harriet: A Gem in Minneapolis

Fun Facts About Lake Harriet

Lake Harriet is a cherished destination in Minneapolis, offering a wealth of recreational activities and stunning views. Here are some fun facts to explore about this beautiful lake!

Distance Around the Lake

Lake Harriet features a scenic loop that’s perfect for both running and walking. The distance varies slightly based on the source, but it generally measures around 2.75 to 3 miles (approximately 4.4 - 4.8 km), making it an ideal destination for a quick workout or a leisurely stroll.

Surrounding Neighborhoods

Lake Harriet is bordered by several vibrant neighborhoods:

• Linden Hills: Located on the northern and western shores, this area boasts a charming downtown at 43rd St & Upton Ave with shops…

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Top 5 Fall Home Maintenance Tips for Twin Cities Homeowners

Top 5 Fall Home Maintenance Tips for Twin Cities Homeowners

As the leaves change and the temperatures drop across Minneapolis and the greater Twin Cities area, fall is the perfect time to get your home ready for winter. A little preparation now can help prevent costly repairs later—and keep your home running efficiently through the cold months ahead.

1. Inspect and Clean Your Gutters

Falling leaves and debris can quickly clog your gutters, leading to water backup and potential roof damage. Clean them out thoroughly and make sure downspouts are directing water at least three feet away from your foundation. Consider installing gutter guards if you live in a heavily wooded area.

2. Schedule a Furnace Tune-Up

Before the first cold snap hits,…

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Things to Know: Twin Cities Marathon Weekend (Oct 3–5, 2025)

Things to Know About Twin Cities Marathon Weekend (Oct 3–5, 2025)

The Medtronic Twin Cities Marathon Weekend brings thousands of runners and spectators to Minneapolis and Saint Paul for three days of racing, cheering, and fall color. Here’s a concise guide for runners, spectators, and nearby residents.

Overview

• Dates: Friday–Sunday, October 3–5, 2025.
• Events: 5K, 10K, TC Kids races (Saturday); 10 Mile, Half Marathon, Marathon (Sunday); finish at the Minnesota State Capitol.
• Course: Scenic route from near U.S. Bank Stadium in Minneapolis to Saint Paul’s Capitol grounds, including the Chain of Lakes and Summit Avenue.

Details and route overview from event organizers and local guides. 

Key Start Times (Highlights)

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2025 Home Design & Feature Trends: What’s Hot Now (Interiors, Exteriors, Smart Tech & Wellness)

2025 Home Design & Feature Trends

What’s hot now for interiors, exteriors, materials, smart-home tech, and wellness-focused living.

In this guide

1. Interiors & Exteriors: Shapes, Textures, Materials
2. Smart Homes & Tech: EV, Automation, Whole-Home Batteries
3. Wellness Design: Spa Baths, Biophilic Design, Indoor/Outdoor Harmony
4. Renovation ROI: What To Prioritize in 2025
5. Quick FAQs

1) Interiors & Exteriors: Shapes, Textures, Materials

Curves & Rounded Geometry

From coved corners to arched openings and curved islands, softer lines are replacing sharp, rectilinear forms. Curves visually…

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MINNEAPOLIS HOUSING PULSE: NEIGHBORHOOD SNAPSHOTS & PRICE-BAND MAP (FALL 2025)

Minneapolis Housing Pulse: Neighborhood Snapshots & Price-Band Map (Fall 2025)

Minneapolis Housing Pulse: Neighborhood Snapshots & Price-Band Map (Fall 2025)

Mortgage rates have dipped again, showings are steady, and some segments are normalizing. Use these quick neighborhood snapshots plus a simple price-band map to navigate the Minneapolis/Twin Cities market this fall. [oai_citation:0‡Freddie Mac](https://www.freddiemac.com/pmms/pmms_archives?utm_source=chatgpt.com)

Twin Cities • Minneapolis • Fall 2025

Citywide Quick Take

Prices & Speed

Minneapolis median sale price in August 2025: $355K (+1.5% YoY). Typical time to sell: ~24 days. Closed sales rose year-over-year.…

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IS THE MINNEAPOLIS HOUSING MARKET COOLING? WHAT BUYERS & SELLERS SHOULD KNOW (FALL 2025)

Is the Minneapolis Housing Market Cooling? What Buyers & Sellers Should Know (Fall 2025)

Is the Minneapolis Housing Market Cooling? What Buyers & Sellers Should Know (Fall 2025)

With mortgage rates drifting down and late-summer data showing slower price growth, the Twin Cities market is edging toward “more balanced.” Here’s the quick pulse—and how to play it if you’re buying or selling.

Twin Cities • Minneapolis • Fall 2025

Quick Snapshot

Minneapolis City Prices

+1.5% YoY in August 2025; median sale price around $355K. Average time to sell: ~24 days.

Signals modest appreciation and steady demand citywide.

Metro Momentum

Pending sales up in August; new listings down slightly. Prices nudged higher across the…

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Minneapolis Real Estate Market Update: Prices, Inventory & Buyer Demand (September 2025)

Minneapolis Real Estate Market Update: Prices, Inventory & Buyer Demand (September 2025)

Twin Cities snapshot • Updated September 15, 2025

Median Price (Metro)

~2–3% YoY ↑ (steady growth)

Inventory

New listings higher; still below balanced levels

Days on Market

Longer marketing time vs. recent years

Buyer Demand

Pending sales up slightly; competition mixed

What We’re Seeing Right Now

The Minneapolis & Twin Cities market is moving toward a more balanced feel. Prices are still edging up, inventory is improving (but not overflowing), and buyer demand is steady—if a bit more selective. Mortgage rates remain the swing factor: when they…

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