Did Interest Rates Go Down Today? Here’s What Gulf Coast Buyers Should Know

By Meredith Amon, Licensed in Alabama and Florida

As a Gulf Coast real estate advisor, one of the most common questions I hear is, “Did interest rates go down today?” I check the markets daily, because small movements can impact both buyers and sellers in Orange Beach, Gulf Shores, and on Ono Island.

Today, rates actually held steady to slightly higher. National averages for a 30-year fixed mortgage are hovering in the mid-6% range. While that may feel elevated compared to the ultra-low rates of a few years ago, it’s important to remember that the Gulf Coast market continues to see healthy activity.

What This Means for Buyers

For buyers, even a fraction of a percent in rate change can affect affordability. On a $1M waterfront home, a .25% swing can change monthly payments by several hundred dollars. That’s why I encourage my buyers to shop lenders, consider rate-buydowns, and keep an eye on upcoming Fed announcements.

A neighbor recently told me, “We locked when rates were flat for a few weeks, and it made all the difference in being able to purchase our Ono Island home.” Timing matters, but so does strategy.

What This Means for Sellers

Sellers often ask if higher rates slow demand. The truth is, in lifestyle-driven markets like ours, people buy for the Gulf Coast experience—boating, fishing, and sunsets over Bayou St. John—not just the interest rate. That said, pricing correctly and presenting a home beautifully makes all the difference when rates fluctuate.

My Take

I’ve seen many cycles in over two decades of selling real estate. What I’ve learned is that the best opportunities often come when the market feels uncertain. Serious buyers are still out there, and sellers who position their homes properly can stand out.

If you’re thinking about buying or selling, I’d love to walk you through how today’s rates fit into your real estate goals. Start your search at the Gulf Coast’s premier website: www.searchthegulf.com.

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$585,000

4610 White Avenue Unit 404, Orange Beach

2 Beds 2 Baths 949 SqFt Residential MLS® # 384761

Coldwell Banker Coastal Realty

$585,000

12329 Reunion Place Unit Lot 38, Foley

2 Beds 2 Baths 1,141 SqFt Residential MLS® # 384496

RE/MAX on the Coast

$585,000

↓ $5,000

771 Surfside Drive, Gulf Shores

3 Beds 2 Baths 1,248 SqFt Residential MLS® # 383939

Signature Properties

$585,000

16296 The Loop, Gulf Shores

2 Beds 2 Baths 1,614 SqFt Residential MLS® # 382471

Realty Executives Gulf Coast PHONE: 251-978-9578

$585,000

↓ $9,900

921 W Beach Boulevard Unit 1102, Gulf Shores

2 Beds 2 Baths 1,056 SqFt Residential MLS® # 382014

RE/MAX of Orange Beach PHONE: 251-979-9198

$585,000

↓ $4,000

527 Beach Club Trail Unit C804, Gulf Shores

2 Beds 2 Baths 1,041 SqFt Residential MLS® # 376438

RE/MAX of Orange Beach CELL: 251-978-5989

$580,000

969 West Beach Boulevard Unit 1801, Gulf Shores

3 Beds 3 Baths 1,049 SqFt Residential MLS® # 385351

RE/MAX of Orange Beach PHONE: 251-981-2400

$580,000

4610 White Avenue Unit 307, Orange Beach

2 Beds 2 Baths 949 SqFt Residential MLS® # 384578

Keller Williams AGC Realty - Orange Beach

$580,000

↓ $15,000

Harbour Drive, Orange Beach

0 Beds 0 Baths 0 SqFt Land MLS® # 376525

Signature Properties

$580,000

↓ $40,000

527 Beach Club Trail Unit D708, Gulf Shores

2 Beds 2 Baths 1,038 SqFt Residential MLS® # 375787

RE/MAX Paradise

$579,900

4160 Inverness Circle, Gulf Shores

3 Beds 2 Baths 2,357 SqFt Residential MLS® # 386170

Coldwell Banker Reehl Prop Fairhope PHONE: 251-767-3793

$579,900

↓ $20,000

26800 Perdido Beach Boulevard Unit 102, Orange Beach

1 Bed 2 Baths 801 SqFt Residential MLS® # 370200

Dolphin Cove Realty LLC

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