Florida Industry Update (02/16/2026)

Описание: Rates Snapshot (from today’s image)

30 Yr Fixed: 6.04% | 15 Yr Fixed: 5.61%
FHA 30 Yr: 5.62% | Jumbo 30 Yr: 6.27%
7/6 SOFR: 5.37% | VA 30 Yr: 5.64%
Freddie Mac (updated weekly): 30 Yr 6.09%, 15 Yr 5.44%

What we’re covering

1) Affordability is improving nationally
Buyers now need 4% less income than a year ago to afford the typical home.
In 37 of the 50 largest metros, affordability is improving.
Implication: Lower rates are reopening conversations — especially with sidelined buyers.

2) Demand is rebounding as rates hover near 6%
Weekly pending sales: 59,469 (2026) vs 60,316 (2025).
Price cuts are down to 32.13% vs 33% last year.
Implication: Buyers are stepping back in — and sellers have slightly more leverage than late 2025.

3) Investors hold 30% of purchases
Small and mid-size investors are driving activity.
Investor share remains elevated due to affordability pressure.
Implication: Expect continued competition in entry-level and rental-friendly segments.

4) South Florida still dominates “hottest markets” list
Top local ZIPs include:
33181 (Miami)
33480 (Palm Beach)
33127 (Miami)
33405 (West Palm Beach)
33133 (Miami)
33037 (Key Largo)
33444 (Delray Beach)
Implication: Luxury and coastal demand remains strong.


What agents can do this week:

Re-engage 2024–2025 buyers who paused due to rates.
Target landlords and small investors — capital is still active.
Double down on pricing strategy — price cuts are easing.
Market ZIP-level momentum in Miami, Palm Beach, and Delray.
Lead with payment clarity, not just list price.