Tampa Bay Real Estate & Mortgage Market Update – December 26, 2025: Rising Inventory, Stable Rates & Growing Buyer Leverage

Tampa Bay ends 2025 with a more balanced housing market as inventory rises, homes take longer to sell, and buyers gain negotiating power. Mortgage rates remain steady, and early signs of increased foreclosure activity in parts of Florida could influence 2026 supply.

Tampa Bay Real Estate & Mortgage Market Update – Week Ending Dec 26, 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 Overview

As 2025 comes to a close, the Tampa Bay real estate market has shifted into a more balanced
environment. Inventory has increased, homes are staying on the market longer, and buyers are
enjoying more negotiating power while mortgage rates remain relatively stable.

Market Snapshot

Buyer leverage: Increasing
Days on market: Longer than earlier in 2025
Seller concessions: More common

Zillow Tampa Market Data

Mortgage & Financing Trends

The average 30-year fixed mortgage rate is holding near 6.10%, with 15-year loans closer to 5.40%.

Source: Bankrate

Fed Watch

After several rate cuts earlier in 2025, the Federal Reserve has paused additional moves heading into 2026. This calmer policy environment has helped keep mortgage rates more stable.

Homeowners & Community Notes

Florida continues to see elevated foreclosure activity in certain pockets, which could gradually add
inventory in 2026.

Redfin Housing Research

Local Business Spotlight

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