A new ATTOM analysis reveals that strategic timing can help homebuyers reduce costs even in today’s challenging market. After reviewing more than 52 million sales over 11 years, researchers found that November continues to offer the best overall savings, with buyers paying an average premium of just 7.3% above a home’s automated valuation model (AVM). But one date stands out more than any other: December 4, when buyers pay the lowest premium of the entire year at only 4.8%, compared to peak premiums of over 14% during the busiest spring markets.
Several additional dates—including October 2, December 24, January 16, November 13, and October 9—also offer unusually low premiums, showing a clear pattern that late fall and early winter provide the strongest opportunities for savings as buyer activity slows and sellers become more negotiable. At the monthly level, November, October, and December consistently rank as the best nationwide, while summer months remain the most expensive due to fierce competition. Some states even deliver below-market discounts during certain months, with Michigan seeing average December prices 3.2% below AVM, followed by Connecticut, Hawaii, Illinois, and Minnesota with modest seasonal dips of their own.
ATTOM’s data suggests that buyers heading into 2026 could gain a real advantage by focusing their home search on slower months, taking advantage of seasonal lulls, and targeting markets that historically show deeper end-of-year price breaks. With affordability still tight, even small reductions in premiums can make a meaningful difference — and timing remains one of the most effective tools buyers have to stretch their budget.
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