What’s really going on in the market right now?

Fort Lauderdale enters the final stretch of 2025 with a mix of stability, anticipation, and just enough movement to keep the outlook exciting. Rates are holding in a narrow range, inventory remains tight across Broward, and the upcoming December Fed meeting is dominating the conversation.

If you’ve been following our weekly snapshots, this week brings a refreshing storyline: steadiness with a hint of shift ahead.

🔍 Rates: Calm on the Surface, Energy Underneath

Mortgage rates barely moved this week, but there’s more drama behind the scenes.

According to the mortgage data on page 1 of the report, bonds strengthened overnight while stocks dipped, pushing rates slightly lower.
Then, a surprise spark: NY Fed President Williams suggested a December rate cut. That comment briefly boosted optimism before stock rebounds applied upward pressure again. Still, rates held onto modest improvement:

• 30-Year Conventional: 6.34%

• 15-Year Conventional: 5.82%

• FHA: 5.94%

• VA: 5.95%

The theme?
📌 Rates remain locked in the same tight sideways range they’ve been in since late October.

🏛️ Fed Watch: December 10th Takes Center Stage

The market is laser-focused on one date: December 10th.

The CME futures projections on page 2 show a 75.3% probability of a 25-bps rate cut, with essentially 0% odds of a 50-bps move. 

Upcoming economic data — PPI, Core PCE, CPI — will likely determine the tone. If inflation cools even slightly, December could unleash a meaningful shift in sentiment heading into early 2026.

📊 Local Inventory: Still Tight, Still Competitive

The tri-county data on page 3 shows subtle tightening across the Miami, Fort Lauderdale, Palm Beach region: 

• Total Listings: 56,400 (↓ 98)

• Active Listings: 47,300 (↓ 89)

• New Listings: 10,100 (↓ 658)

• Pending: 9,159 (↑ 217)

More pendings with fewer new listings =
📉 Less fresh inventory hitting the market
📈 More absorption of what’s already available

Pair that with national housing inventory still far below normal — 1.52M vs the long-term 2.23M average shown on page 3 — and it’s clear: supply remains tight locally and nationally.

🌴 What This Means for Fort Lauderdale Right Now

This week’s market isn’t loud, it’s steady, compressed, and quietly building momentum.

Here’s the current vibe across Fort Lauderdale:

✨ Rates aren’t falling yet, but they’re poised.
✨ Inventory is thinning just as demand inches upward.
✨ National supply shortages continue to support pricing stability.
✨ A December rate cut could unlock fresh activity heading into Q1 2026.

This is the kind of market where small shifts matter — especially when they drop right before the new year.

⭐ The MPH Team Takeaway

Fort Lauderdale is closing out November with a market that’s stable, lean, and highly sensitive to economic signals. With a likely rate cut just weeks away and inventory tightening both locally and nationally, all signs point to a more energized start to 2026.

Stay tuned — your weekly Fort Lauderdale market pulse drops every Monday, exclusively from The MPH Team, your trusted Fort Lauderdale agents and local real estate resource.