July and November Offer Lowest Homebuying Premiums; December 24th Is the Lowest Single Day
IRVINE, Calif. — Nov. 12, 2026 —ATTOM, the leading provider of property data, AI-powered intelligence, and real estate analytics solutions, today released its annual analysis highlighting the best days and months of the year to purchase a home. The report found that July offers the lowest premium of any month at 6.3 percent above market value, followed by November at 7.4 percent. Additionally, December 24 stands out as the single best day to buy a home.
According to ATTOM’s latest analysis of more than 48 million single-family home and condo sales over the past 10 years, buyers who close on December 24 are seeing the lowest premium above the automated valuation model (AVM). While still above market value, homebuyers are only paying a 3.2 percent premium, compared to the 14.5 percent premium buyers are seeing on May 27, the highest of any day that occurs every year. (Full methodology is enclosed below.)
Other days of the year offering lower premiums for homebuyers include: July 10 (3.5 percent premium above market value); July 9 (4.1 percent premium); July 3 (4.3 percent premium); July 2 (4.3 percent premium); and July 17 (4.6 percent premium). In total, nine of the ten lowest-premium days of the year fall in July.
ATTOM’s latest analysis also looked at the best months to buy at the national level and best months to buy at the state level.
Best Months to Buy
Nationally, the best months to buy are July (6.3 percent premium above market value); November (7.4 percent premium); October (7.8 percent premium); September (8.2 percent premium); and December (8.2 percent premium).
Best Months to Buy by State
According to the study, Hawaii (-1.8 percent in January) and Michigan (-1.7 percent in November) are the only states where buyers saw a discount below full market value in their best month. Buyers in three other states paid close to market value at their best time of year: Connecticut (0.0 percent in January); Minnesota (0.0 percent in December); and Illinois (0.1 percent premium in November).
Methodology
For this analysis ATTOM looked at any calendar day in the last 10 years (2016 to 2025) with at least 10,000 single family home and condo sales. There were 362 days (including leap year data) that matched these criteria, with the four exceptions being Jan. 1, July 4, Nov. 11, and Dec. 25. To calculate the premium or discount paid on a given day, ATTOM compared the median sales price for homes with a purchase closing on that day with the median automated valuation model (AVM) for those same homes at the time of sale. The premium is the percentage by which the median sales price exceeds the median AVM. A negative figure is a discount.
About ATTOM
ATTOM delivers AI-driven property intelligence built on the nation's most trusted property data repository, covering 160+ million U.S. properties—99% of the population. Our engineered, multi-sourced, semantically rich real estate data spans property tax, deeds, mortgages, foreclosure, environmental risk, property conditions, natural hazards, neighborhood insights, and geospatial boundaries, rigorously validated for advanced analytics. ATTOM supports analytics, AI applications, and AI agents through flexible delivery options including APIs, bulk licensing, cloud delivery, and the MCP Server for AI-powered, agentic access to engineered property data, enabling organizations to automate analysis, power intelligent workflows, and scale property intelligence across industries.
Media Contact:
Megan Hunt
megan.hunt@attomdata.com
Data and Report Licensing:
datareports@attomdata.com
