Central Florida Market Update — September 14, 2026: Rates Rise a Third Straight Week
Your Monday look at the Clermont and Central Florida market — the real numbers, what changed this week, and what it means whether you're buying or selling. Updated September 14, 2026.
The headline this week: rates have climbed three Mondays in a row
The 30-year fixed mortgage rate came in at 6.76% in Freddie Mac's latest weekly survey (September 11), with the 15-year at 6.09%. That's the third consecutive weekly increase — 6.66% in late August, 6.71% at the start of September, and now 6.76%.
Three-tenths of a percent since midsummer doesn't sound like much, so let's make it real. On a median-priced Clermont home ($460,000 with 20% down), the principal-and-interest payment has moved from about $2,316 a month to $2,389 since rates bottomed in late July — roughly $875 a year for the same house. This week's move alone added about $12 a month. Small steps, but they only go one direction lately, and waiting has a price tag.
The Clermont numbers: steady while rates wobble
The local market itself hasn't flinched:
- Median sale price: $460,000 — holding firm, up about 4.6% from a year ago
- Median days on market: 67 — just over two months, the definition of a balanced pace
- Months of supply: 1.8 — still tight; a fully balanced market is 4–6 months
- Sale-to-list: 98.13% — priced-right homes are getting within 2% of asking
- About 1 in 9 homes (10.9%) still sells above list price
- ~800 active listings, with inventory up about 12% from last year — more choice than buyers have had in years, without prices giving ground
If you're buying
The math above is your motivation: the house isn't getting more expensive right now — the money is. Two moves protect you. First, get pre-approved now so you know your real number at today's rates, not July's. Second, remember that with inventory up 12%, you have negotiating room on everything except the well-priced homes — those still move fast and close near asking. Know which kind you're looking at before you offer, and ask about rate buydowns; in a market like this, sellers and builders are often willing to fund them.
If you're selling
The 98% sale-to-list number is the whole story: homes priced right are selling near asking in about two months, while overpriced homes sit and chase the market down. Rising rates shrink every buyer's budget a little each week — which makes correct pricing on day one worth more than it was in spring. Price to the market, present it properly, and 1.8 months of supply is still very much on your side.
The bottom line
Rates drifting up, prices holding, inventory growing, and well-priced homes still commanding near-asking — that's a market that rewards preparation over hesitation, on both sides of the deal.
Questions about what these numbers mean for your street, your home, or your search? Call or text me at 315-335-4622 — I answer my own phone — or grab a time on my calendar and I'll call you: book a call here.
Have a great day — and remember, don't gamble with your biggest investment. Call the Boss!
Sources: Freddie Mac Primary Mortgage Market Survey, Sept. 11, 2026; Clermont MLS market data (July 2026 reporting period, latest available), Houzeo/Stellar MLS. Payment examples are principal & interest only, 20% down, for illustration — your rate and payment will vary.
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