Market Momentum Returns: Why Naples Buyers and Sellers Should Watch September Closely

The Federal Reserve’s recent address at Jackson Hole may be the turning point Naples buyers and sellers have been anticipating. Early market reactions suggest a potential rate cut in mid-September and in response, mortgage rates have already dipped to their lowest point in 2025.

Why This Matters for the Luxury Market

For discerning buyers and sellers across Naples’ resort-style enclaves, golf communities and beachfront estates, this shift signals renewed opportunity. Here's what to watch:

• Purchasing Power Increases: Even a modest drop in mortgage rates can significantly enhance affordability, particularly in the $2 million to $10 million price range.

• Confidence Rises for All-Cash Buyers: As financing buyers reenter the market, momentum returns, stimulating activity and competition across segments.

• Negotiation Replaces Hesitation: While sky-high offers may not immediately return, more offers and conversations are beginning to translate into contracts.

Naples remains a buyer-favorable market for now. Inventory remains elevated and average days on market have lengthened. But if rates begin to ease further this fall, buyers who wait may find the balance shifting.

Real Results: What Market Strategy Looks Like

Earlier this year, we represented buyers on a new construction home in Park Shore, successfully negotiating the purchase price from $6.5 million to $6.225 million. Our ability to identify leverage in a transitional market delivered lasting value for our clients, and it’s exactly the type of insight that becomes critical in a shifting landscape.

Why Timing Matters

For sellers, this pre-shift moment offers a window to reach motivated buyers before competition heats up again. For buyers, it presents a unique moment to secure premium properties, whether waterfront, golf course adjacent, or in gated, amenity-rich communities, before pricing pressure returns.

Let’s Talk Naples Real Estate

Spencer and I track every relevant signal from Fed minutes analysis to local contract activity, to keep our clients informed, strategic and ahead. Whether you are considering a sale, scouting your next lifestyle upgrade, or simply want to know how national headlines intersect with local luxury trends, now is the time to explore your options.

Let’s have a conversation.

Phillip & Spencer Rigsby
Global Real Estate Advisors
Premier Sotheby's International Realty
Naples, FL.
FindingNaples.com
239.494.2563 mobile
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