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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$739,900

↓ $30,000

28105 Perdido Beach Boulevard Unit C-314, Orange Beach

3 Beds 3 Baths 1,796 SqFt Residential MLS® # 386003

eXp Realty Southern Branch PHONE: 832-914-5012

$739,900

Bayou St John Avenue, Orange Beach

3 Beds 2 Baths 1,500 SqFt Residential MLS® # 379359

Keller Williams AGC Realty - Orange Beach PHONE: 251-923-8390

$739,500

5584 Pensacola Avenue, Orange Beach

6 Beds 3 Baths 2,688 SqFt Residential MLS® # 381819

EXIT Realty Orange Beach

$739,000

24400 Perdido Beach Boulevard Unit 401, Orange Beach

3 Beds 2 Baths 1,394 SqFt Residential MLS® # 380565

Brett R/E Robinson Dev OB Main: 251-981-6180

$739,000

↓ $11,000

24400 E Perdido Beach Boulevard Unit 301, Orange Beach

3 Beds 2 Baths 1,394 SqFt Residential MLS® # 370375

RE/MAX of Orange Beach CELL: 251-504-9224

$739,000

527 Beach Club Trail Unit 610, Gulf Shores

3 Beds 3 Baths 1,250 SqFt Residential MLS® # 378082

Bellator Real Estate LLC Gulf PHONE: 251-210-8741

$739,000

↓ $20,000

1592 W Beach Boulevard Unit Jj, Gulf Shores

3 Beds 4 Baths 1,440 SqFt Residential MLS® # 382588

RE/MAX of Gulf Shores

$735,000

1920 W Beach Boulevard Unit 702, Gulf Shores

3 Beds 3 Baths 1,539 SqFt Residential MLS® # 373333

White Shores Realty, LLC

$735,000

↓ $64,000

28103 Perdido Beach Boulevard Unit B201, Orange Beach

2 Beds 2 Baths 1,401 SqFt Residential MLS® # 380555

Engel and Volkers Gulf Shores

$735,000

↓ $54,000

23088 Island Oaks Lane Unit 67, Orange Beach

2 Beds 3 Baths 1,368 SqFt Residential MLS® # 377097

RE/MAX of Orange Beach PHONE: 334-654-0750

$734,900

↓ $15,000

572 Cabana Beach Road, Gulf Shores

3 Beds 2 Baths 1,470 SqFt Residential MLS® # 379445

eXp Realty Southern Branch PHONE: 832-914-5012

$730,000

455 E Beach Boulevard Unit 1107, Gulf Shores

2 Beds 2 Baths 1,161 SqFt Residential MLS® # 384551

Keller Williams AGC Realty - Orange Beach 251-504-1171

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