Tampa Bay Real Estate & Mortgage Update – Dec 12, 2025: Inventory rising and Fed rate cuts

The average home value in Tampa is around $369,900, with rising inventory giving buyers more leverage. National mortgage rates stand near 6.20% for 30-year loans and 5.50% for 15-year loans, while Fed rate cuts in 2025 have boosted confidence. Zillow reports values are down about 5% year-over-year, and Redfin data shows longer days on market and more price reductions.

Tampa Bay Real Estate & Mortgage Market Update – Week Ending Dec 12, 2025

For context on whether now is a good time to buy, see Redfin’s analysis: Is Now a Good Time to Buy a House?.

Market Snapshot

Average Tampa home value: ~$369,900.
Buyer leverage continues to grow as inventory rises and days on market extend.

Mortgage & Financing

30-year fixed mortgage rates are averaging ~6.20% nationally, with 15-year rates near ~5.50%.

Source: Bankrate

Fed Watch

The Federal Reserve has cut rates multiple times in 2025, helping stabilize borrowing costs and improve buyer confidence.

Housing Trends

According to Zillow, Tampa home values are down roughly 5% year-over-year.

Redfin data shows longer days on market and more price reductions.

Local Business Spotlight

Rooster & The Till
Chefs Ferrell Alvarez, Ty Rodriguez and Chon Nguyen offers contemporary international cuisine with a strong modern American base, enriched by influences from Asia, Latin America, and the Middle East.
📍 6500 N Florida Ave, Tampa, FL 33604

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