Why Homeowners Are Hesitating to Sell in 2025: The Interest Rate Dilemma

The 2025 real estate market presents a unique challenge for homeowners considering a sale. Recent data shows that approximately 65% of homeowners currently hold mortgage rates of 4% or lower – a slight decrease from 70% at this time last year. This statistic tells an important story: many homeowners are hesitating to list their properties, and for good reason.

Why the hesitation? It's simple mathematics. As a homeowner with a low interest rate, selling means giving up that favorable monthly payment. When you transition from seller to buyer, you're likely looking at purchasing a higher-priced home with current interest rates hovering in the low to mid-6% range for FHA loans and mid to high-6% range for conventional loans. (Note: As a real estate professional, I don't quote specific rates – please consult with your lender for current figures.)

With other factors such as, the emotions of leaving behind memories to the stress of packing a home, the truth of the matter is, selling a home is not always the easiest decision.



Take the Next Step

If you're weighing the decision to sell, let's start with data. We offer a complimentary Comparative Market Analysis to help you understand your home's current value and market position. This analysis will give you the insights needed to make an informed decision about selling in today's market.

Contact us today to schedule your free market analysis and consultation. Together, we'll determine if 2025 is your optimal time to sell.

Call us today schedule your free market analysis today!