Many have speculated that low refinance rates have been preventing homeowners from selling, but this factor is less consequential than expected, according to ValueInsured. Only about 18% of consumers interested in selling their home claim they haven't because of their current low mortgage payment.

With record-high home prices fueled by tight inventory and high demand, it's a seller's market, but many would-be sellers are hesitant to sell because of the price they'd have to end up paying for a new home.

About 79% of homeowners reported that it was a good time to sell a home in the third quarter, and two-thirds of homeowners stated they will sell "in the near future," up eight percentage points from the previous quarter.