Don’t Wait—The 2025 Market Is Still Moving in Central Florida

If you’ve been following the housing news, you know that 2025 isn’t the roller coaster of the last few years—but it’s still very much a moving market. In Orlando, Brevard County, and throughout Central Florida, prices are expected to rise modestly this year, with experts projecting around 3% growth. That may sound modest compared to the double-digit surges we saw before, but it’s steady appreciation that continues to build equity for homeowners.

For buyers, that means waiting on the sidelines isn’t necessarily the smartest move. The longer you hold off, the more expensive the same home could be—both in price and in monthly payment, especially if mortgage rates shift. Even in a market that feels calmer, demand across the Space Coast remains strong, and well-located homes are not sitting long.

One smart strategy is to get pre-approved early. In today’s market, sellers want to see solid offers backed by strong financing. Having your approval in hand not only puts you ahead of competing buyers but also gives you a clear picture of what you can comfortably afford. On the Space Coast, where desirable canal-front, beachside, and new-construction homes attract multiple offers, this preparation can make all the difference.

Another approach is to expand your search slightly beyond the “headline neighborhoods.” Orlando’s Lake Nona, Merritt Island waterfronts, and Viera new builds are hot—but just outside these zones are hidden gems where buyers may find more negotiating power. Looking at areas like Cocoa, Titusville, or east Orlando communities can reveal properties that fit the same lifestyle at a better value.

Flexibility is also key in this market. Some sellers are more willing to negotiate on closing costs, rate buydowns, or repair credits than they were a year or two ago. Creative financing—like using a temporary rate buydown or combining loan products—can open doors that might seem out of reach at first glance. A knowledgeable mortgage partner can run the numbers to compare these strategies so you know which approach makes the most sense for your timeline.

The takeaway for buyers in Central Florida is this: don’t wait for the “perfect” conditions. There’s opportunity in today’s market if you’re prepared, flexible, and strategic. By locking in now, you start building equity right away, while others are still waiting for the right moment. On the Space Coast, where growth continues to be fueled by aerospace, tourism, and migration from other states, the right time to move is often sooner than later.

If you’re thinking about buying, let’s connect. I can help you on both sides—finding the right property and structuring the smartest loan strategy to get you there. Whether you’re focused on Orlando, Merritt Island, or anywhere across Central Florida, we’ll make sure your next move is set up for long-term success.