Anthony DuBois | What Higher Interest Rates Mean for Florida Buyers and Sellers

Anthony DuBois

As interest rates climb, Florida’s real estate market is experiencing a shift in momentum. Anthony DuBois explains that while the days of ultra-low rates are behind us, the current environment is creating new dynamics—not necessarily a downturn, but a recalibration. Buyers are adjusting their expectations, and sellers are learning how to reposition their listings effectively.

Affordability is the biggest concern. Higher monthly mortgage payments are forcing many buyers to rethink their budgets, target different neighborhoods, or delay purchases. This is especially evident in fast-growing regions like Southwest Florida, where rapid price gains now face affordability constraints. Buyers are more cautious, and homes are staying on the market slightly longer than in past years.

That said, Florida continues to attract buyers from out of state who may be less sensitive to rate hikes, especially those making cash purchases. Retirees, remote workers, and investors still see long-term upside, which is helping stabilize prices even in a rising rate environment.

Sellers are finding success by offering incentives like mortgage rate buydowns or flexible move-in dates. In this environment, strategy matters more than ever. Anthony DuBois encourages sellers to price carefully, invest in curb appeal, and work with professionals who can guide them through a more complex negotiation process.

In Anthony DuBois’ view, higher rates aren’t a market killer—they’re a market shaper. Success now depends on adapting to new conditions with insight and precision.