Published September 25, 2025
How Much Could a Rate Drop Save You?
With the Fed’s 0.25% rate cut, buyers have more purchasing power in their pockets than they did just a few weeks ago. Pair that with price adjustments we’re seeing here in Robertson County, and the potential savings are too good to ignore. Here’s what a small dip in rates could mean for you, based on a conventional 30-year loan*:
What the Numbers Could Look Like
Even a modest rate change makes a big difference:
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A $400,000 home could save buyers around $200/month when rates dip by 0.25%.
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A $600,000 home could save nearly $300/month — that’s more than $3,500/year.
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Over the life of a 30-year loan, those savings can add up to tens of thousands of dollars back in your pocket.
Why It Matters for Sellers Too
This demand is expected to grow. The National Association of Realtors (NAR) estimates that if 30-year fixed mortgage rates move down to ~6%, about 5.5 million more U.S. households could afford a median-priced home. Of those, around 10% (≈ 550,000) might actually make a purchase in the next 12–18 months.
If you’ve been waiting to list your home, the combination of shifting rates and motivated buyers means now could be the perfect time to take the leap.
💡 Thinking of buying or selling?
We’d love to walk with you every step of the way and help you put down (or move up) your roots.
*Numbers are calculated based on relative changes on a 30-year fixed loan at typical mortgage ranges. These scenarios are not credit score or down-payment specific — just a potential illustration of savings.
