📈 2025 Housing Market Forecast: What Buyers and Sellers Should Expect in the Second Half of the Year
At PolRealty, we stay ahead of the curve so our clients can make the smartest moves in Miami’s ever-evolving real estate market. As we enter the second half of 2025, the national housing outlook is starting to shift—and whether you're buying, selling, or investing, here's what you need to know.
🏦 Mortgage Rates Are Expected to Ease
According to top industry experts—including MBA, NAHB, Wells Fargo, and Fannie Mae—mortgage rates are projected to land in the mid-to-low 6% range by year-end. As of May 2025, the average forecasted mortgage rate is 6.46%, with Fannie Mae projecting it could go as low as 6.2%.
What this means for you:
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📉 Lower borrowing costs = higher affordability for buyers
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🏠 More demand could return to the market if rates decline as expected
🏘️ Inventory Will Continue to Rise
Housing inventory is already up 30% compared to this time last year, and experts believe this trend will continue. According to Lance Lambert, co-founder of ResiClub, national inventory is likely to end 2025 higher, which could balance supply and demand.
Why this matters:
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🔄 Buyers will have more options
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🧘♂️ Less competition means less pressure to rush into bidding wars
💸 Home Price Growth Will Cool Off
As inventory increases, home price growth is expected to moderate. Forecasts show:
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Fannie Mae: +4.1%
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Wells Fargo: +3.0%
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Zillow: -1.9% (yes, a potential price decline)
The average forecast across major sources is a +2.3% national price growth, meaning appreciation will continue—but at a much slower and healthier pace.
🔍 Key Takeaways for South Florida Buyers and Sellers
At PolRealty, we're seeing many of these national trends reflected here in Miami, Weston, Pinecrest, and Brickell:
✔️ Buyers: Prepare now. If rates drop, more competition will follow.
✔️ Sellers: Consider listing before inventory builds even more.
✔️ Investors: Slower price growth = opportunity to buy smart and build long-term value.
🤝 Let’s Talk Strategy
Every neighborhood behaves differently. If you’re curious how these trends affect your property or your goals, let’s connect. We’re here to guide you through every step—with clear data and personalized advice.
📞 Contact us today to schedule a free consultation.
📍 Serving Miami, Pinecrest, Weston, Doral, Brickell, and beyond.
Learn 2025 Housing Market Forecast: What Buyers and Sellers Should Expect in the Second Half of the Year at PolRealty.com
