The average 30-year mortgage rate has just dropped to 6.63%, the lowest since April 2025. While rates are still close to 7%, a number that’s kept many buyers waiting, this dip is welcome news for Florida home shoppers eager to secure a lower payment.

Why This Matters in Florida

• Vacation home affordability: Lower rates mean second-home buyers and investors can lock in stronger returns.

• More inventory: With more homes on the market, especially in vacation destinations near Disney, Orlando, Davenport, and Kissimmee, buyers have better options.

• Price adjustments: Sellers are becoming more competitive, with asking prices softening compared to last year in many Florida metros.

Buyers: Act Now Before Competition Heats Up

• Get pre-approved today so you’re ready when the right property hits.

• Leverage today’s lower 15-year rate (5.75%) if you’re looking to pay off faster or refinance.

• Take advantage of softer prices before rates dip further and spark more buyer demand.

Sellers: Why This Is Your Window

• More motivated buyers: Every drop in rates brings sidelined buyers back into the market.

• Pricing smart is key: In Central Florida’s competitive vacation rental market, correctly priced homes are the ones that sell.

• Stronger marketing wins: With more options on the market, sellers need standout marketing to attract serious, qualified buyers.

The Florida Outlook

Experts expect 30-year rates to hover above 6% through year-end, settling near 6.4% by December 2025. While we won’t see pandemic-era lows, today’s drop is still a major opportunity for buyers and sellers in Florida’s vacation home and investment property market.

📌 About Vacay & Co Real Estate

At Vacay & Co Real Estate, we specialize in vacation and investment home sales in the Disney areas of Orlando, Davenport, Kissimmee, Clermont, Windermere, and Dr. Phillips. Whether you’re buying, selling, or investing, our team ensures smooth, profitable results.

📧 [email protected]
📞 321-333-1338
🌐 www.vacayreflorida.com