The Camirand Edit
Market Update | December 2025
The Federal Reserve cut interest rates for the third time on December 9, 2025, lowering the benchmark rate by 0.25%. The federal funds target range now stands at 3.50%–3.75%. This decision reflects continued efforts to balance economic stability, inflation control, and employment growth.
At a Glance
· Rate Cut: –0.25%
· Current Range: 3.50%–3.75%
· Dissent: Three officials dissented—one favored a larger cut, two preferred no change
· Outlook: The Fed signals the possibility of one additional cut in 2026, dependent on economic conditions
Why This Matters
Lower benchmark rates can improve borrowing conditions across consumer loans and financing. While mortgage rates follow broader bond markets, this environment supports improved affordability and purchasing power. Savings yields may ease modestly as borrowing costs decline.
Space Coast Micro-Market Snapshot
Beachside & Waterfront (Indialantic, Satellite Beach, Melbourne Beach):
Limited inventory continues to support pricing, while improved rate conditions are bringing move-up buyers and second-home purchasers back into the market.
Viera & Master-Planned Communities:
New construction remains active. Rate stabilization helps buyers better absorb pricing adjustments and builder incentives, particularly on completed or near-completion homes.
Melbourne, West Melbourne & Central Brevard:
Renewed interest from first-time buyers and relocating professionals, where even modest rate improvements translate into meaningful monthly affordability gains.
Investor Activity:
Improved financing conditions are drawing renewed attention to long-term rentals and select value-add opportunities near employment centers and beaches.
Bottom Line:
This rate environment creates strategic opportunities across the Space Coast. Timing, pricing, and local insight matter.
Orlando Micro-Market Snapshot
Urban Core & Infill (Downtown, Winter Park, College Park):
Well-located inventory remains competitive. Demand from professionals and downsizers supports pricing despite longer days on market.
Suburban & Master-Planned Communities (Lake Nona, Horizon West, Winter Garden):
New construction and resale inventory remain active. Builder incentives and improved financing conditions are helping buyers close on move-in-ready homes.
Entry-Level & Relocation Markets:
First-time buyers and inbound relocations are re-engaging as modest rate improvements improve affordability.
Investor Activity:
Stabilizing rates are renewing interest in long-term rentals and select short-term rental corridors near employment hubs and tourism drivers.
Bottom Line:
Orlando reflects a normalized, opportunity-driven market where strategy and neighborhood selection remain key.
Indian River Micro-Market Snapshot
Vero Beach & Coastal Markets:
Pricing has softened modestly year-over-year. Higher inventory offers buyers more choice and negotiating room, with the market moving at a measured pace.
Sebastian, Fellsmere & Western Corridors:
Steady buyer interest continues as inventory expands. Competitive pricing and broader selection support thoughtful purchasing decisions.
Entry-Level & Value Segments:
Longer days on market and value-aligned pricing are drawing first-time and non-contingent buyers back into the market.
Investor & Seasonal Demand:
Investor activity remains selective, focused on rental and lifestyle-oriented properties rather than speculative volume.
Bottom Line:
Indian River is balanced and opportunity-driven, with healthier inventory and expanding buyer choice.
The Camirand Edit delivers clear, timely perspective on the Space Coast, Central Florida and Indian River real estate markets. When questions arise or strategy matters, I’m here to provide thoughtful guidance and informed direction. Reach out at 321.544.8076.
Best,
Kelly
Ms. Kelly Camirand
Global Real Estate Agent | Relentless Real Estate
Space Coast | Orlando | Indian River | Global Reach
Luxe Residential | Industrial | Mixed Use | Medical | Retail
Buy | Sell | Invest | Develop
www.kellycamirand.com | 321.544.8076 | [email protected]
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