FED CUTS RATES for the THIRD TIME… Should Buyers Jump in NOW?

Every time the Federal Reserve meets, the same question floods my inbox:

“Is now the best time to buy real estate?”

This week’s Fed decision has only intensified that conversation—and for good reason.

The Federal Reserve just announced its third consecutive interest rate cut, lowering the federal funds rate by another 0.25%. While that sounds like great news on the surface, the real impact on mortgage rates—and the local real estate market—is far more nuanced.

If you’re thinking about buying or selling in Delmarva, or you’re trying to time the market correctly, this is one update you can’t afford to ignore.

Why Fed Week Matters (Even If Mortgage Rates Don’t Drop Immediately)

One of the biggest misconceptions I hear is that Fed rate cuts instantly lower mortgage rates.

That’s not exactly how it works.

Mortgage rates are more closely tied to the 10-year Treasury, not the federal funds rate. However, Fed decisions do influence buyer confidence, market momentum, and long-term affordability trends.

This is why Fed Week is so important:

• It shapes public perception

• It increases buyer activity

• It often signals future rate movement

• It creates short-term buying opportunities before competition increases

We’re seeing that play out right now.

What the Numbers Are Telling Us in the Delmarva Real Estate Market

Despite being the holiday season, we’re seeing buyers quietly step in—especially those who understand timing.

Worcester County (Ocean City & Beach Areas)

• New Listings (7 days): 30

• Properties Under Contract: 36

• Total Active Listings: 714

• Months of Supply: 5.5 months

➡️ Demand is currently outpacing new inventory, a sign that serious buyers are taking advantage of this window.

Wicomico County

• New Listings: 31

• Under Contract: 28

• Months of Supply: 3.6 months

➡️ Still one of the tightest markets in the region.

Sussex County, Delaware

• New Listings: 95

• Under Contract: 105

• Total Active Listings: 1,963

• Months of Supply: 5.3 months

➡️ Inventory has dropped by nearly 200 homes in just a few weeks, largely due to seasonal pullbacks.

Interest Rates Right Now: The Real Opportunity Buyers Are Missing

As of this week:

• 30-Year Fixed: ~6.3%

• 15-Year Fixed: ~5.8%

• Adjustable-Rate Mortgages: ~6.0%

These numbers matter because:

• Rates are lower than earlier this year

• Competition is lighter than spring or summer

• Sellers are often more flexible during the holidays

This combination—lower rates + less competition + motivated sellers—is exactly why experienced buyers pay attention to Fed Week.

“Should I Wait?” — The Question Everyone Is Asking

Here’s the reality:

You can’t perfectly time the market—but you can recognize opportunity.

Historically, some of the best real estate deals happen:

• In December

• During Fed transition periods

• When inventory is quietly shrinking

• Before buyer demand fully returns

That’s exactly what we’re seeing now.

If rates drop further in early 2026, competition will likely increase fast. Buyers waiting on the sidelines may find themselves bidding against more people for fewer homes.

Watch the Full Breakdown on YouTube

This blog only scratches the surface.

In my latest Delmarva Real Estate Market Report, I break down:

• What the Fed decision really means

• Why mortgage rates don’t move the way people expect

• Where buyers are finding leverage right now

• What to watch heading into the new year

👉 Click here to watch the full YouTube video and stay ahead of the market.

Final Thoughts

Fed Week isn’t just a headline—it’s a signal.

Whether you’re buying a primary residence, a beach property, or an investment home, understanding how interest rates, inventory, and buyer behavior interact can save you time, money, and frustration.

If you have questions about your specific situation or want to explore opportunities before the market shifts again, don’t hesitate to reach out.

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Need Area-Specific Data or Want to Explore Current Deals?

If you’d like a deeper dive into a particular neighborhood, building, or town in Worcester County, Wicomico County, or Sussex County, my team and I are here to help.

Whether you're curious about opportunities, ready to tour properties, or just want to know if now is the right time for you — we’re happy to guide you.

👉 Reach out anytime — and be sure to watch the full weekly market report on YouTube for more insights.