Florida Market Trends
A quick read on where Florida real estate stands right now — mortgage rates, prices, and what they mean for buyers and sellers.
Sources: 30-year fixed rate — Freddie Mac Primary Mortgage Market Survey. Florida median listing price & year-over-year change — Realtor.com Housing Inventory data (via FRED, Federal Reserve Bank of St. Louis). Figures are statewide averages and were last updated August 16, 2026; your local market may differ.
What this means for you
For buyers: Rates in the mid-6% range mean it’s worth shopping lenders and asking about points or buy-downs — small rate differences add up over 30 years. With Florida prices easing slightly year over year, there may be more room to negotiate than there was at the market’s peak. Use the mortgage calculator to see what a given price and rate mean for your monthly budget.
For sellers: Pricing right from day one matters more than ever in a market that’s cooled from its highs. Homes that are priced to the current market — not last year’s — still sell, and often quickly. Talk with Diane about a realistic pricing strategy for your neighborhood.
These are statewide figures for general guidance. Miami Beach and South Florida conditions can vary — reach out for numbers specific to your area.