The Fed’s Decision Is In: What It Means for Your Real Estate Plans This Fall
As of July 2025, the Federal Reserve has chosen to hold its benchmark interest rate steady at 4.25%–4.50%—marking the fifth straight meeting with no rate hike or cut. For those of us navigating the real estate market in Orange County, this decision carries weight, especially as we step into the back-to-school season.
With mortgage rates hovering around 6.7%, buyers are still adjusting, but many serious house hunters remain active. Sellers, meanwhile, are asking the big question:
Should I wait until spring—or make my move this fall?
School’s Back—And So Is Real Estate Activity
It’s the time of year when routines reset, and families return to their calendars. For real estate, this seasonal shift can mean opportunity.
Here’s what we’re seeing:
-
Some sellers wait for spring, but fewer listings this fall could mean less competition.
-
Buyers relocating for jobs or schools are actively looking—right now.
-
Price drops are happening in some higher-end markets, creating more negotiation room.
If you’re a homeowner wondering whether to sell, timing matters more than ever.
Why Waiting for Spring May Cost You
“Spring is the hottest market.”
Yes—and that’s also when everyone else lists their home.
Here’s why fall may be smarter:
-
Lower inventory means higher visibility for your home.
-
Motivated buyers are transacting now—not just browsing.
-
If interest rates drop in early 2026, buyer competition will spike—but so will listings.
🤔 Ask Yourself:
-
What are your goals before year-end?
-
Are you hoping to move before the holidays?
-
Would you rather test the market now or compete later?
🔍 Looking for Data?
-
Fed holding steady: Read the full Fed update on Reuters
-
Mortgage rates at 6.7%: Based on recent market averages
-
Orange County listings remain steady but competitive, especially in cities like Buena Park, Anaheim, Culver City, Cypress, and surrounding LA markets.
Let’s Talk Strategy
Whether you’re buying, selling, or just considering your options, this season offers unique advantages. The Sujan Group is here to guide you through it with personalized insight.
