Real Estate Market Update: Massachusetts & Florida | Q4 2025 Outlook
At Peoples Choice Mortgage, we stay ahead of the curve to help you move smarter—whether you’re buying your dream home, selling at the top of the market, or refinancing to leverage equity. Here’s your no-fluff, data-backed Q3 update and Q4 forecast for our two powerhouse markets: Massachusetts (Barnstable, Plymouth, Suffolk & Norfolk counties) and Florida’s Treasure Coast & Palm-area counties.
Massachusetts Housing Market Snapshot
🔹 Barnstable County (Cape Cod)
Average Home Value: ~$757,900 (↑ 1.1% YoY)
Median Sale Price: ~$714,000 (↑ 2.3% YoY)
Market Insight: Cape Cod is holding firm. This is a mature, inventory-tight market with slow but consistent appreciation. Homes are staying on the market longer, but serious buyers are still stepping up.
🔹 Plymouth County
Median Sold Price: ~$622,400 (↑ 5.9% YoY)
Price/SqFt: $355
Hot Segment: 4- and 5-bedroom homes are in demand, rising 8–11% YoY.
Market Insight: This commuter-friendly county is red-hot for families and move-up buyers. Demand remains stable, and inventory can’t keep up.
🔹 Norfolk County
Average Sale Price: ~$933,000 (↑ 3.4% YoY)
Sales Activity: ↑ 2.9% YoY
Market Insight: A balanced market. Volume is up, pricing is steady, and both buyers and sellers have room to negotiate intelligently.
🔹 Suffolk County (Greater Boston)
Urban Core Dynamics: High rental demand, steady buyer pool, tighter affordability.
Market Insight: Inner Boston remains resilient, with moderate pricing and strong multi-family interest. It’s not flashy—but it’s dependable.
Florida Market Insights: Treasure Coast & Palm Counties
🔹 Treasure Coast (St. Lucie, Martin, Indian River)
Market Type: Buyer’s Market
Condo/Townhome Inventory: 10+ months of supply in some areas
Price Trend: Townhome & condo prices down up to 6%
Market Insight: If you’re a buyer, you’ve got leverage. Inventory is up, pricing has cooled, and negotiation power is back on the table—especially in markets like Port St. Lucie, Stuart, and Jensen Beach.
🔹 Palm Beach & Surrounding Counties
Median Sale Price: ~$645,000
Luxury Average: ~$1.2M
YoY Change: ~5% price dip in mid-market homes
Market Insight: Overvaluation is real (still ~15% above historic norms), but luxury cash buyers are keeping the top end afloat. The mid-tier, however, is slowing—giving buyers a window of opportunity as sellers reset expectations.
Q4 2025 Real Estate Forecast
Massachusetts Outlook
Barnstable: Modest growth expected (1–3%)
Plymouth & Norfolk: Strong positioning for 3–6% continued appreciation, especially in suburban homes
Suffolk: Expect 2–4% price stability with continued high rental demand
Bottom Line: MA markets are cruising in a controlled lane—healthy demand, tight inventory, and no crash in sight.
Florida Outlook
Treasure Coast: Soft landing expected with flat or slightly negative pricing (‑1% to +1%)
Palm-area Counties: If mortgage rates ease, we could see modest price rebounds (0–3%) in Q4
Luxury Sector: Continued momentum due to cash sales and low inventory
Bottom Line: Florida’s market is correcting—but smart buyers are scooping deals before rates fall and prices tick back up.
What This Means for Buyers & Sellers
If You’re Buying:
Lock in now in Florida while prices are soft.
In Massachusetts, act decisively—inventory is tight, and competition will spike as rates fall.
If You’re Selling:
MA sellers can expect strong Q4 activity—prep now and price right.
In FL, focus on presentation, competitive pricing, and value-adds like interest rate buydowns or seller concessions.
Peoples Choice Mortgage: Your Q4 Advantage
Whether you're in Cape Cod or Port St. Lucie, Boston or Boca, we’re here to guide you with smart pre-approvals, flexible loan options, and tailored strategies to help you win in any market.
Ready to take advantage of Q4 2025’s unique opportunities?
Call or text us today at (774) 238-1421