Florida’s Housing Market Holds Steady as Buyers Prep for 2026

The Big Picture

Mortgage rates barely moved this week, with the 30-year fixed averaging around 6.30%.
That may not sound exciting — but consistency is exactly what the market needs.

Buyers feel more comfortable making decisions when rates stay predictable.
Sellers feel more confident pricing homes accurately.
And homeowners who financed between 2022 and early 2025 are once again revisiting whether refinancing or restructuring might make sense.

Adjustable-rate programs continue to offer options below 6%, especially for borrowers planning to move or refinance within a 5–7 year window.

Steady rates = steady confidence.

Florida Market Overview

Inventory across Florida is still moving upward, slowly but steadily.
Not enough to cause downward pressure or panic — but enough to create a balanced market that benefits both buyers and sellers.

Here’s what we’re seeing statewide:

South Florida

More listings, more negotiation power for buyers, and improved time on market for sellers who price realistically.

Central Florida

Builders remain aggressive with incentives — buydowns, credits, and upgrades — especially in the Orlando and Tampa corridors.

North Florida

Affordability continues to drive demand. Jacksonville, the Panhandle, and surrounding areas are attracting steady interest thanks to job growth and relative price stability.

Palm Beach County Spotlight (rotation week)

Palm Beach County continues to show a healthy mix of demand and growing inventory.

Key trends this week:

  • New listings trending upward
  • Buyers comparing more properties before committing
  • Seller concessions — including repairs and closing cost credits — becoming more common
  • Homes priced right are still moving quickly, especially those under $750K

Palm Beach remains one of the most stable markets in South Florida right now.

Florida Economic Pulse

Florida’s broader economic indicators remain supportive:

  • Strong job creation
  • Steady population inflow
  • Improving consumer sentiment
  • Slowing inflation and stabilized borrowing costs

Insurance premiums and taxes remain challenges, but buyers are more focused on payment comfort and long-term fit than chasing low rates.

What It Means for Buyers

  • Rates remain steady, with some ARM options below 6%
  • More homes to choose from = better negotiating leverage
  • Focus on comfort, not fear of “missing the bottom”
  • Buyers who are prepared with strong pre-approvals win the best homes

What It Means for Sellers

  • Pricing correctly is absolutely crucial
  • Homes that are clean, updated, and move-in-ready still attract quick offers
  • Credits and incentives can help your listing stand out without heavy price reductions
  • Serious buyers are active and intentional, not rushed

Bottom Line

Florida’s housing market is closing out 2025 on solid, stable footing.
Rates are steady, supply is healthy, and buyer confidence is growing.

This is the most balanced, predictable environment the market has seen in years — and both buyers and sellers can benefit by acting strategically.

👉 Talk strategy with us anytime at MortgageSimplified.net

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🏡 Mortgage Minute Update: December 5, 2025

Florida’s Housing Market Holds Steady as Buyers Prep for 2026

The Big Picture
Mortgage rates stayed almost unchanged this week, hovering around 6.30%.
For both buyers and sellers, steady is the best possible news — predictable rates build confidence and create movement.

Buyers who paused earlier in the year are stepping back in.
Homeowners who financed between 2022–early 2025 are reviewing their options again.
Adjustable-rate loan programs continue offering below-6% opportunities for buyers who expect to move or refinance within the next 5–7 years.

Florida Market Overview
Inventory continues rising across the state — slowly, steadily, and in a way that makes the market feel more balanced than it has in years.

  • South Florida: More listings and realistic pricing bring healthier negotiations.
  • Central Florida: Builders continue offering incentives — buydowns, upgrades, and credits.
  • North Florida: Remains affordability-driven, with demand supported by job growth.

Palm Beach County Spotlight
Palm Beach remains one of Florida’s most stable markets:

  • Listing inventory is increasing
  • Buyers are comparing more homes before committing
  • Seller concessions are more common
  • Homes under $750K that show well are still selling quickly

Florida Economic Pulse
Florida continues outperforming national trends:

  • Strong job growth
  • Slowing inflation
  • Improved consumer confidence
  • Continued relocation from high-cost states

Insurance and taxes remain concerns — but buyers are adapting by focusing on payment comfort and long-term fit.

What It Means for Buyers

  • Rates are steady, with ARMs offering sub-6% options
  • More homes to choose from = better negotiating leverage
  • Focus on payment comfort, not timing the market
  • Strong pre-approvals still win competitive properties

What It Means for Sellers

  • Pricing matters more than ever
  • Clean, move-in-ready homes attract serious buyers quickly
  • Credits and buydowns remain powerful incentives
  • Market is stable — buyers are active, just more thoughtful

Bottom Line
Florida’s housing market is closing 2025 with stability, balance, and growing buyer confidence.
That’s a winning combination — and smart strategy matters more than ever.

Talk strategy with us anytime at MortgageSimplified.net – 561-363-8174

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