What Does a Fed Rate Cut Mean for Florida Housing?

What Does a Fed Rate Cut Mean for Florida Housing?

 The talk of rate cuts florida real estate has many Floridians wondering what it could mean for their future. Lower borrowing costs can reshape the housing market in ways that matter, whether you’re buying your first home, thinking about selling, or already paying a mortgage. A shift in interest rates has the power to change affordability, demand, and influence how quickly homes sell. Gaining clarity on these effects helps you make confident choices in a market where timing and knowledge count.

Defining Fed Rate Cuts in the Florida Real Estate Context

When the Federal Reserve lowers its policy rate, banks borrow at cheaper costs, and this change often influences lending across the economy,…

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Central Florida Real Estate Recap of September 2025

Orlando Regional REALTOR® Association data shows lowest interest rates in a year.


State of the Market

  • September’s interest rate was recorded at 6.1%, down from 6.4% in August. This is the lowest interest rates have been since September 2024.
  • The median home price for September was recorded at $378,000, down 1.3% from August’s median home price of $382,950. This is the third month in a row median home price has fallen.
  • Inventory for September was recorded at 13,007, down 2.2% from August when inventory was recorded at 13,306. This is the fourth month in a row inventory decreased.
  • Homes spent an average of 72 days on the market (DOM) in September – down…

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Average HOA Fees in Florida Compared [2026]

 

Average HOA fees in Florida have risen in recent years as communities respond to new safety requirements, higher insurance premiums, and rising maintenance costs. After the Surfside condo collapse, lawmakers passed stricter rules for inspections and reserve funding, which pushed many associations to increase dues. In 2025, Governor Ron DeSantis signed House Bill 913, giving condo boards more flexibility with extended deadlines and short-term reserve relief. Even with these adjustments, HOA fees remain a significant part of homeownership that buyers should account for when planning their budgets in 2026.

Average HOA Fees in Major Florida Cities [2026]

HOA fees vary widely across Florida, shaped…

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