As 2025 winds down, the real estate market is showing renewed energy — and opportunity.
Interest rates are finally trending downward, inventory is growing, and motivated buyers and sellers are stepping back into the market before the New Year.

According to Freddie Mac, the average 30-year fixed mortgage rate is 6.19% (as of October 23, 2025) — the lowest level in over a year. While that’s still higher than historic lows, it’s a meaningful improvement from the 7%+ levels earlier in 2025.

This creates a unique window for families in Southern California: more choices, better rates, and a chance to plan ahead for the stronger spring market.

💰 Interest Rates Are on Their Way Down

After months of high borrowing costs, we’re finally seeing consistent rate relief.

• 30-year fixed: 6.19% (Freddie Mac)
• Daily low: 6.17% (Mortgage News Daily)
• Projection: Expected to stay between 6.0–6.5% into early 2026 (Mortgage Bankers Association)

📉 Lower inflation and Federal Reserve rate cuts have started easing pressure on lenders.
📊 The result: More affordable monthly payments and increased purchasing power for qualified buyers.

Rachael’s Insight:
“Interest rates are on their way down. It’s a great time for buyers to get in the market while sellers are still open to negotiation. To serve my community and help families, I truly believe now is the time to get in the game — build equity, and find the best home for the best price while more options are available.”

🏠 Market Trends: More Listings and Balance Returning

For the first time in nearly two years, housing inventory is starting to catch up with demand.
Nationally, new listings rose by over 4% in early October, while prices have stabilized.

What this means:

• Buyers can explore more homes without the intense bidding wars of recent years.
• Sellers who price competitively can still expect strong interest.
• Homes in desirable SoCal areas — like San Diego, Ventura County, and Los Angeles — remain top choices for families and investors alike.

📈 Looking Ahead to 2026

Analysts predict that spring 2026 will bring a stronger, more active housing market.
If you’re thinking about selling, now is the perfect time to prepare — so your property is market-ready when buyer activity surges.

Rachael’s Advice for Sellers:
“Spring is expected to be a stronger market. If you’re planning to list, start now. I offer free consultations to help homeowners prepare with small, smart improvements that can maximize your profit when it’s time to sell.”

From updating curb appeal to fine-tuning staging, a little planning now can make a major difference when you hit the market.

🌴 SoCal Snapshot

In coastal and suburban Southern California, we’re seeing:

• Moderate price appreciation
• Steady demand for family-friendly and coastal homes
• Increased flexibility among sellers as inventory grows

That balance between buyer opportunity and seller motivation makes this one of the most dynamic markets in recent years.

🤝 Plan Your Next Move with Confidence

Whether you’re ready to buy, sell, or simply explore your options, this moment offers real opportunity.

Let’s sit down and review your goals, evaluate your home’s current value, and craft a strategy tailored to today’s market.

📧 rhrealtorsocal@gmail.com
🌐 rachaelhughelrealtor.com
📍 Serving Southern California families with honesty, strategy, and heart.