Author: Roberta Murphy Thompson

Slide 1 Florida wants condos more affordable—down payments could drop from 20% to national 3–5% standard. Slide 2 Insurance premiums are skyrocketing—buyers pay both personal HO-6 and rising HOA master policy costs. Slide 3 HOA fees are climbing fast—roof, structural repairs, and reserve funds are breaking budgets. Slide 4 Surfside tragedy changed everything: inspections and reserve fund laws protect safety but hike costs. Slide 5 Florida condos are unique—high down…

In 2025, Florida’s housing market is showing signs of recovery after years of sluggish sales and falling prices. New home orders in the state increased slightly in the last quarter, signaling a positive shift in the Real Estate landscape. Sales of move-up homes and active adult communities ↑ 18% yearly, despite affordability challenges in the entry-level segment. Stabilizing inventory and slower price drops, down ~10% from 2-yr ago, suggest the…

Single-family sales ↓ 2.8% YoY; condos/townhouses ↓ 11.8% Pending sales: single-family ↓ 0.7%, condos/townhouses ↓ 6.3% Median price: single-family $410K (↓ 1.7%), condos/townhouses $295K (↓ 6.3%) Economist: Single-family price drops not accelerating; condo declines larger than early year Year-to-date: condo/townhouse median price ↓ ~4.5%

Slide 1 – Cape Coral-Fort Myers Cape Coral-Fort Myers, population 860,959, ranks last with 212th appreciation and $348,259 median price. Slide 2 – Punta Gorda Punta Gorda ranks 207th in appreciation and has a $351,083 median home price. Slide 3 – North Port-Sarasota-Bradenton North Port-Sarasota-Bradenton ranks 211th in appreciation with $413,856 median sale price. Slide 4 – Naples-Marco Island Naples-Marco Island ranks 150th in appreciation and $556,258 median home price….

A 2008-style statewide crash is unlikely; expect gradual cooling with localized declines in higher-risk markets. Population growth and strong demand help stabilize prices despite insurance and affordability challenges. Interest rates, insurance costs, and potential economic slowdown could further temper price growth. Market shifting toward buyers, with more negotiation room and balanced supply-demand conditions.

🏠 Florida’s bounce-back begins in 2027, with median home prices expected to rise to $420,095. 📉 After two years of dips, 2027 marks a 4% price growth, rebuilding confidence in home values. 📦 Inventory is still high, so buyers may score deals—but demand is slowly gaining strength again. 💰 Affordability remains a struggle, with mortgage rates near 6.5% and insurance premiums still climbing. 🌴 Long-term momentum is real—population and jobs…