Florida Housing Market Holds Steady as Year-End Approaches

The Big Picture

Mortgage rates remained stable this week, with the average 30-year fixed hovering near 6.31%.
Stability is the real story — and it’s creating a calm that buyers and sellers haven’t felt in a long time.

Buyers who backed off earlier in the year are stepping back in.
Homeowners who financed between 2022 and early 2025 are revisiting their options — especially with 5-, 7-, and 10-year ARMs still coming in below 6%, depending on profile and loan structure.

This is not a “rate chase” market.
It’s a comfort and opportunity market.

Florida Market Overview

Inventory continues to rise statewide, but not in a way that signals weakness — it signals normalcy.

Here’s what we’re seeing across Florida:

South Florida

More listings, more negotiation power for buyers, fewer bidding wars, and a healthier pace.

Central Florida

Builders are still pushing incentives — rate buydowns, upgrades, and closing-cost support.
Buyers are responding, especially those relocating within the state.

North Florida

Still one of the most affordable regions.
Demand remains steady thanks to job growth and inbound migration from out-of-state.

Broward County Spotlight

Broward continues trending toward balance:

  • Listing inventory improved again this month
  • Buyers are comparing homes instead of rushing
  • Sellers are adjusting expectations and offering credits when appropriate
  • Well-priced homes are still moving quickly — especially clean, turnkey listings

This is the most “normal” the Broward market has felt in over three years.

Florida Economic Pulse

Florida continues to outperform national trends:

  • Job creation remains strong
  • Consumer confidence is rising
  • Population inflow continues from higher-cost states
  • Inflation pressures are easing

The biggest affordability challenges remain insurance premiums and property taxes, but buyers are adapting by focusing on payment comfort, not chasing the lowest interest rate.

What It Means for Buyers

  • Rates are stable, with some programs dipping below 6%
  • More homes to compare = better negotiating power
  • You don’t need to rush — but you do need to be prepared
  • Strong pre-approvals still win the best homes
  • If you financed 2022–2025, it’s worth reviewing your loan structure

What It Means for Sellers

  • Buyers are more selective, so presentation and pricing are essential
  • Homes priced realistically still sell fast
  • Credits, repairs, or a 2-1 buydown can help close the gap without cutting the price
  • The market is stable — not stalled — and serious buyers are out there

Bottom Line

Florida’s housing market remains steady, balanced, and full of opportunity.
Rates are stable, inventory is healthy, and both buyers and sellers can make smart moves heading into 2026.

This is the calmest, most strategic market we’ve seen in years — and the people who understand it will benefit the most.

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

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