What Tampa Buyers and Sellers Need to Know After June’s Rate Decision

This week, the Federal Reserve wrapped up its June meeting with a familiar move: no change. For the fourth straight time, they’re keeping the federal funds rate steady at 4.25% to 4.5%.

But don’t mistake “unchanged” for “uneventful.” Here's what Tampa Bay buyers and sellers need to know—and do—now.


Despite inflation still running above target, the economy isn’t showing signs of faltering. The job market is strong. People are spending. Businesses are active.


The Fed nudged its inflation outlook higher and noted the early impacts of tariffs. Powell emphasized caution, signaling no rush to cut rates until they’re confident inflation is under control.


Unemployment is expected to rise slightly to 4.5% (up from 4.4%) and GDP growth is expected to slow to 1.4% (down from 1.8%). Slower growth—but no signs of crisis.


The Fed still projects two cuts by year-end, but fewer policymakers are betting on more relief in 2025. Opinions are more split than they were in March.

What This Means for Tampa Buyers and Sellers


Rates aren’t skyrocketing, but they’re not dropping overnight either. Today’s environment favors buyers who are financially ready and willing to act quickly. If you’re thinking of buying in the next few months, get your pre-approval in place now. We’ll help you cut through the noise and avoid surprises.


A strong job market and confident buyers mean good properties will sell—but only if they’re priced right. Overpricing will cost you in this market. Presentation and timing matter more than ever.


Tampa Bay isn’t slowing down. With stable borrowing costs and no economic dip in sight, expect a busy market where preparation and positioning are everything.


The Fed’s pause doesn’t mean you should sit still. Whether you’re a first-time buyer or a longtime homeowner looking to make a move, now is the time to plan ahead and move intentionally.

“Honesty builds clarity, and clarity builds confidence.”

We tell the truth, even when it’s uncomfortable. That’s how we help you win.

Founder / REALTOR®

Fed holds rates steady again. Here’s what Tampa buyers and sellers need to know about real estate, mortgages, and market strategy through 2025.



FED STANDS DOWN

THE FED HOLDS... NOW WHAT?

What every serious Tampa Bay home shopper should be watching for in today’s market — and why the numbers say your moment might be now.

If you've been following along, you know that 2025 has been defined by two things: 

and a whole lot more joining what we call 

These aren't just anecdotes , the numbers show it clearly.

Price reductions have outpaced sales every single week

“Unhappy” sellers (those who didn’t get the result they expected) have increased steadily, by thousands

Homes sitting longer = sellers with mounting pressure = more negotiable terms for buyers

Buyers waiting for the “perfect” time often miss the most 

💡 How to Know When a Seller Is Motivated

It’s not always about price. Here’s what to look for:

and of course the easy ones to spot...  Descriptions that mention: 

These aren’t just red flags — they’re green lights for the right buyer.

In a market with this much nuance, you don’t win by moving fast... you win by moving smart.

A search strategy focused on patterns, not just photos

A partner who understands seller motivations, not just listing specs

A game plan for making your move when the right situation presents itself

That’s what we do. And that’s what this series has been building toward.

Why waiting might cost you more than you think

What to really look for in a market like this

How to spot sellers open to deals — and how to act when you find one

🎯 If you're serious about buying this year, we’d love to show you how to use this data to your advantage.

And if you missed Parts 1 or 2, you can catch up here:

👉 Part 2: What to Actually Look for in This Market

Curious about how to time your home purchase in Tampa Bay’s shifting market? Part 3 of our Buyer Series shows you how to spot motivated sellers using real 2025 local data, and how to make the most of it before conditions change again.

🎯 Buyer Series, Part 3: How to Spot a Seller Ready to Make a Deal

, focused on helping you move smarter in a market that’s not as simple as it looks.

In Part 1, we covered why waiting to buy might cost you more, even when price reductions and longer days-on-market dominate the headlines.

When the market changes, what you look for and how you look has to change with it.

🧭 The Old Checklist Doesn’t Cut It Anymore

In markets like this, the polished brochure version of a home, including an open floor plan, updated kitchen, shiny fixtures, is just one layer.

, we’ve been in this long enough to know the difference between cosmetic shine and real opportunity. The surface stuff is nice, but it rarely determines long-term satisfaction or smart investment.

What matters most?
Motivation. Movement. Momentum.

Not every listing is worth your energy. Some are just placeholders.

You’re not here to chase deals. You’re here to spot alignment, and that’s what we help you do.

We track market shifts every single week across Tampa Bay. And here’s what we can tell you: list price is rarely the full story.

How does it compare to other nearby sales?

Because a $650K home that started at $700K isn’t the same as one that was priced right from the start.

Knowing the journey behind the number is how you buy with clarity — and avoid regrets.

And if you’ve been following us, you know that one of our core beliefs is this:

If you're open to different timelines, seller leasebacks, creative terms, you may win deals not by bidding higher, but by being the 

This is what we help our clients prepare for — not just homes, but strategies.

It’s not about playing games.
It’s about understanding the field.

✅ Motivated sellers
✅ Price behavior (not just price)
✅ Flexibility that builds trust

If we had to sum it up:
You’re not just looking for a home. You’re looking for 

And that’s what we do every day at My Tampa Agent. We are helping our clients spot what really matters and move forward with confidence.

we define alignment as that rare moment when what the 

 needs actually match up, timing, motivation, price movement, and terms all pointing in the same direction.

A seller needs flexibility, and you can offer it.

A property’s price history signals motivation, and you’re ready to have the conversation.

Your financing is solid, and the seller values certainty over speed.

In a market like this, alignment doesn’t happen by accident.
You need someone who can help you read between the lines, and then act with confidence when things 

That’s what we bring to the table:
Not just finding a home, but helping you recognize the moment when everything clicks.
Because when you find that? The experience changes. And so does the outcome.

Next week’s post will show you exactly:


How to Spot a Seller Who’s Ready to Make a Deal

Hint: it’s not just about price, it’s about positioning, timing, and signals sellers often don’t even realize they’re sending.

We believe in preparation. We believe in clarity.
And above all, we believe buyers should feel confident, not rushed.

Let’s keep moving forward — the right way.

n Part 2 of our 2025 Tampa Bay Buyer Series, we break down what actually matters when you’re home shopping in today’s market — from seller signals to price shifts and smart negotiation terms.

Part 2: What You Should Actually Be Looking for in This Market

first in a 3-part series looking at Tampa Bay’s shifting real estate market, from the buyer’s perspective.


While much of the conversation has centered on frustrated sellers, the story from the buyer side deserves just as much attention.

And that story?
It’s more nuanced than most realize.

In 2025, the Tampa Bay market is sending mixed signals.

Yes, interest rates remain higher than most buyers would like.
Yes, insurance premiums and property taxes are squeezing affordability.
Yes, inflation is still a background drumbeat.

But despite all of that, the market isn’t stalling.



And the buyers who understand that and act accordingly are putting themselves in the strongest position.

⏳ The Cost of Waiting (In Real Numbers)

Price reductions have been the top headline every week this year.

Sellers are adjusting — sometimes dramatically.

It would be easy to assume that waiting is the smart move.
But the real numbers — and the real buyers we see — tell a different story:

Waiting doesn’t lower today’s rent or living expenses.

If rates dip, expect a rush of buyers competing for the same homes.

Insurance costs and taxes? They’re not going anywhere.

waiting isn’t risk-free — it’s just invisible risk.

🏡 This Market Moves — With or Without You

The homes that fit your life, budget, and timing? They rarely wait around.

Sellers are more open to terms, negotiations, and flexibility than they’ve been in years.

In markets like this, waiting often isn’t patience, it’s hesitation that costs.

The balance of the market favors those who act with clarity, not hesitation.

Part 1 of a 3-part series exploring the buyer side of Tampa Bay’s changing market dynamics.

What You Should Actually Be Looking for in This Market

Hint: It’s not just about the list price or interest rate.

If you want to make your next move smarter, not harder,  stay tuned.

Tampa Bay buyers, the market’s shifting under your feet. Part 1 of our 2025 Buyer Series reveals why waiting might cost more than acting now, backed by fresh local market data and buyer behavior insights.



Part 1: Why Waiting Might Cost You More Than You Think

, homeowners who came to market with bold expectations… and found a much different reality.

This week, we’re exploring what happens next, especially for buyers.

Because when sellers start to lose leverage, the real opportunity shifts.

So What Are Today’s Sellers Actually Thinking?

Some are stunned. Some are stalled. But almost all are adjusting.

“We thought we’d sell in a weekend.”

“We priced it based on last year’s comps.”

“We’re not desperate… but we do need to move.”

This shift in psychology is what’s opening up options for buyers, smart, observant buyers who’ve been paying attention.

We’re seeing more price reductions.
Homes are sitting longer.
And sellers are quietly becoming more flexible.

That doesn’t mean buyers can, or should, lowball.
But it does mean this market is finally giving you space to negotiate, breathe, and find your next home without the bidding war chaos.

👀 What’s Next: The 3-Part Buyer Series

Starting next week, we’re rolling out a 

 to help today’s buyers move smartly, not reactively.

➡️ Part 1: Why Waiting Might Cost You More Than You Think


We’ll break down the math of “waiting for rates to drop”, and the risks that come with it.

➡️ Part 2: What You Should Actually Be Looking for in This Market


Not just finishes and features, but value, seller motivation, and long-term fit.

➡️ Part 3: How to Spot a Seller Who’s Ready to Make a Deal


Learn to read the signals, and how to approach the conversation respectfully and confidently.

Whether you’re ready now or just starting to dip your toe in, this is your moment to get re-engaged, with the right information, the right tools, and the right team.

Tampa Bay is changing. Let’s help you change with it.

Tampa Bay sellers are adjusting to longer days on market and softer demand. This blog unpacks what sellers are thinking, how buyers can benefit, and introduces a 3-part series for today’s smart buyer.

What Today's Sellers Want and What That Means for You

Agents who sugarcoat harsh market realities to please clients aren’t showing kindness, they’re displaying cowardice. Truth-telling is the foundation of fiduciary duty.

What Homeowners Are Feeling and How to Respond

At My Tampa Agent, we believe in truth-telling, even when it’s uncomfortable. That’s because we know 

honesty builds clarity, and clarity builds confidence.

In Tampa Bay real estate, it’s not just the numbers that tell the story—the emotions behind those numbers reveal a deeper reality. More and more homeowners are experiencing uncertainty about whether to list their homes. Many express frustration as properties sit on the market longer than they’d like, with price reductions quickly becoming the norm. We’ve come to call this trend the 


It’s made up of homeowners who listed their homes expecting strong offers fast, but instead, they’re facing silence, slow showings, and price reductions.
The market isn’t rejecting their home — it’s reacting to how it’s priced, presented, or timed. And that hurts. But the good news? There’s a way out of the club — with better strategy, honest feedback, and smarter positioning.

 Economic uncertainty has many hesitant to list their properties.

 Extended days on market and frequent price cuts leave sellers feeling undervalued.

 Rising costs—from insurance to home prep—are piling on the pressure.

 Many are waiting on the sidelines for the “perfect” time to sell, though that moment may never arrive.

Understanding the Psychology Behind the Pause

Homeowners with substantial equity see an opportunity to cash out and pivot their lifestyle.

Significant life changes, such as retirement, downsizing, or even divorce, force the hand to sell.

And yes, some are simply ready for a change.

The fear of having missed the market peak looms large.

Elevated costs, including insurance premiums and necessary repairs, add to the stress.

Buyers are now more selective than ever, making it crucial to price and present correctly from the start.

Our weekly data for 2025 shows two clear trends:

 Homeowners are compelled to adjust their asking prices as market conditions evolve.

Below is the chart we’ve compiled from our verified data that illustrates these trends:

This chart illustrates how both price reductions and days on market have steadily increased in 2025.

Our Proven Advice for Navigating Today’s Market

With nearly 700 families served in Tampa Bay and over 18 years, here’s what we recommend for anyone thinking about selling:


High-quality photography, smart staging, and a robust digital presence are no longer optional, they’re essential.


Let data, not emotion, drive your pricing strategy. Buyers today are educated and will quickly spot an overpriced property.


Your listing’s debut week is critical. Early feedback can help you adjust quickly, rather than waiting weeks in silence.


Partner with an agent who tracks market trends on a daily basis. The more informed you are, the more confident you’ll feel.


We believe in the power of the mindset: 

clarity creates confidence, and confidence leads to wise decisions.

The Tampa Bay market is evolving. If you’re a homeowner feeling unsure about your next step, remember: you’re not alone. By aligning strategy with current market realities and leveraging proven expertise, you can navigate these challenges with clarity and purpose.

Ready to make sense of the numbers and your next move? Contact us for a no-pressure, confidential consultation to discuss your options. Let’s bring confidence back into your selling journey.

This post is part of our ongoing commitment to empower homeowners with real data and grounded advice. Stay connected with My Tampa Agent for more updates, insights, and the support you need in today’s market.

The Rise of the Unhappy Sellers Club in Tampa Bay

It starts innocently enough. You’re just scrolling through listings while waiting for a table at Ulele or sipping your weekend cafecito. You’re not 

And by the time your jaw drops over that Seminole Heights bungalow or the waterfront condo in Dunedin that somehow isn’t already under contract? It’s too late. Someone with a pre-approval in hand already wrote the offer.

Here’s the thing – if buying a home is even on your radar (whether it’s a next-year plan or a “just curious” mindset), one of the smartest, most Tampa-savvy moves you can make is getting pre-approved now.

Because in this market, clarity = confidence. And confidence = action.

Why Pre-Approval Makes You a Smarter (and Faster) Buyer

, we talk about this every week in our market updates. Homes are coming to market across Hillsborough, Pinellas, and Pasco – but so are more buyers. Some are still unsure of their budget. Others show up with a strategy and their numbers locked in.

Pre-approval means you’ve had a lender review your income, debts, credit, and overall financial picture so you know exactly what you can afford. You’re not just dreaming — you’re planning.

It also means you’re not wasting time touring $700k homes when your budget really thrives at $575k. You’re skipping the heartbreak and honing in on the opportunities that are actually within reach, and in some cases, might surprise you.

Why Now Matters – Even If You’re Not Buying Yet

Let’s be real, Tampa Bay is full of surprises. A friend tells you about an off-market gem in Westchase. A dream home hits the MLS with a pool, a yard, and a price that makes sense. Or maybe rates drop and suddenly… the math works.

The right home doesn’t always wait for the “perfect” time. But 

Pre-approval isn’t about rushing your timeline, it’s about giving you options. Because when you're prepared, you’re not scrambling for paperwork while someone else is signing a contract.

That’s fine too. A lot of our clients start this process thinking they’re 6 to 12 months out — and then something changes. A job shift. A school rezoning. A neighbor’s For Sale sign.

Pre-approvals typically last 60 to 90 days. And if they expire? It’s a quick refresh with your lender. No drama.

We’re not just here to open doors — we’re here to guide, advise, and advocate. From your first “I’m just curious” conversation to the day you close (and well beyond), we treat every step like it matters, because it does.

We track the trends. We know the neighborhoods. And we communicate like professionals — because this is your life, not just a transaction. Whether you’re looking for value in Wesley Chapel, charm in Safety Harbor, or convenience in South Tampa, we’re here to help you navigate every inch of the process with clarity and confidence.

You don’t have to buy a house today, but getting pre-approved today means you’ll be ready 

Let’s talk about what’s on your mind, what you’d love in your next home, and how to be ready when the moment’s right.

In a market like this, showing up prepared isn’t just smart, it’s necessary.

Thinking about buying a home in Tampa Bay? Learn why getting pre-approved early is a smart move—whether you’re ready now or just exploring. My Tampa Agent breaks down how to prepare, move fast, and buy with confidence.

If You Stay Ready, You Don’t Have to Get Ready – Especially in Tampa Bay Real Estate

Spring is here, and so is open house season in Tampa Bay. Whether you're a first-time buyer or just casually exploring, open houses can be a great way to get a feel for what's on the market—but there's more to it than just walking through and admiring the staging. If you're serious about finding the right home this spring, preparation and perspective are everything.

Here are a few smart tips to help you get the most out of every open house in the Tampa Bay area this season:

Homes in Tampa show beautifully in spring, and sellers know it. Staging can highlight the best parts of a space, but don’t let it distract you from seeing what’s underneath. Picture your own furniture in the space, test out the storage, and take a peek at the view.

Pay attention to things that could become future issues—cracks, leaks, drafty windows, or musty smells. The Florida climate can be tough on homes, so check for signs of moisture or wear. Trust your instincts.

Don’t just breeze through—this is your chance to get real answers. Ask about:

How long the property has been on the market

Utility averages and potential insurance costs

Upcoming changes to the neighborhood or community

Neighborhoods in Tampa can feel different on a Sunday afternoon than they do during a weekday commute. If a home catches your eye, swing by the area at different times to see what the vibe is really like.

That updated kitchen might be stunning, but does the home actually meet your long-term needs? Make a quick pros and cons list after each open house to stay focused and objective.

A friend or family member can offer a different perspective, and they may catch things you missed. Bonus if they’ve been through the buying process before.

Let us know what open houses you're attending. We can provide insights, pull comps, and tell you what’s really going on behind the scenes. We’re not just here for the paperwork—we’re here to help you make a smart move.

Open houses in Tampa Bay are a great way to get a feel for what’s out there, but don’t go in blindly. A little preparation can make a big difference. Use these tips to stay focused, ask the right questions, and evaluate each home with clarity.

When you’re ready to take the next step, 

 is here to guide you every step of the way. Happy house hunting! 🏡☀️

Heading to open houses this spring in Tampa Bay? Get expert tips from My Tampa Agent to make the most of every visit. Learn what to look for, questions to ask, and how to stay focused during your home search.


Spring 2025 Open Houses in Tampa Bay: How to Make the Most of Your Visit

March is a pivotal time for house hunting, and the psychology surrounding it plays a bigger role than you might think. Curious how the first month of spring affects your search for the perfect home? Check it out.

Spring’s longer days and warmer weather naturally boost our moods, making everything feel a little more possible. Research shows that increased sunlight can elevate serotonin levels, improving overall well-being and positively influencing decision-making. This positivity can lead buyers to see potential in properties they might have overlooked during the gloomier winter months.

A 2021 study published in Environmental Health Perspectives found that exposure to natural light improves mood and cognitive performance.

March is a pivotal time for house hunting, and the psychology surrounding it plays a bigger role than you might think. C...

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134 Whitaker Road Suite A

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