10/21/2026
📊 Mortgage rates just hit pause at a near-3-year high.
The 30-year fixed held at 7.40% last week (Freddie Mac) — ending a seven-week climb. The 15-year came in at 6.71%.
Here's what September looked like on the Emerald Coast:
🏠 Median price: $439,000
📦 6.3 months of supply
✂️ 48% of active listings cut their price
📅 49 days on market (median)
Statewide, Florida's median held at $415,000 (+1.2%) even as sales dipped 3.5%.
What it means: buyers have negotiating room they haven't had in years — and sellers who price right still move. On a $400,000 loan at 7.40%, principal & interest runs about $2,770/mo — strategy matters more than ever.
Thinking of buying or selling this fall? Let's talk through your numbers.
📲 Call/text (850) 225-6368 | diyana.realtor
Diyana Rosas, Real Estate Broker Associate, AXEN Realty | Mortgage Loan Originator, NEXA Lending, NMLS #2648165
Rates shown are Freddie Mac national survey averages for the week ending Oct 15, 2026 — not a rate quote, offer, or commitment to lend. Your actual rate depends on credit, down payment, and loan program. Equal Housing Lender.
