Current Mortgage Refinance Rates in Delaware Today
DELAWARE MORTGAGE REFINANCE RATES TODAY
Current mortgage refinance rates in
Delaware.
Apply online or call for a complimentary mortgage consultation.
Compare mortgage refinance rates in Delaware.
Key Points
• The current mortgage refinance rates in Delaware are influenced by multiple economic factors, including Federal Reserve policy, the bond market, housing demand, and the overall economy.
• A mortgage refi can be a smart financial move, whether you want to pay less interest, consolidate debt, or pay for a major home improvement project.
• Even a 1% dip in your mortgage interest rate can lower your monthly payment and create significant savings in the total amount of interest you pay over the loan’s lifetime.
• In Delaware, you can explore a variety of refinance options, from conventional to cash-out, FHA, VA, 15-year, and adjustable-rate refinances, each with its own set of factors to consider.
• When you refinance, your credit score may take a hit, but it’s typically a small, temporary dip.
• To lock in the best Delaware mortgage refinance rates, build your credit score, trim your debt-to-income ratio, and be sure to compare offers from different lenders.
Introduction to Mortgage Refinance Rates
When you refinance your mortgage, you replace your current mortgage with a new one that potentially offers you more favorable terms or a lower interest rate. Whether you’re looking to lower your monthly payments, reduce your loan term, or tap into your home equity, you must be well-informed about Delaware mortgage refinance rates.
This comprehensive guide will help you navigate the entire process, from understanding how rates are determined to securing the most suitable option for your financial situation. To make the best decision, consider checking the current mortgage refinance rates in Delaware regularly, as they can fluctuate.
💡 Quick Tip: How soon can you refinance your mortgage? It varies by loan type, but typical waiting periods are 6 to 12 months.
Where Do Refi Interest Rates Come From?
Historically, the bond market is the strongest indicator of where mortgage interest rates are going. The performance of the 10-year U.S. Treasury Note is particularly important here. When the rates on the note go up, typically mortgage interest rates are likely to rise, too.
The performance of the housing market is another factor to be aware of. When the market slows and there are more homes available than there are people who want to buy them, lenders may lower their rates in hopes of attracting more customers. Finally, the overall economy also plays a role in refinance rates: A strong jobs market and economic growth may be accompanied by a rise in interest rates, while a recession is typically associated with lower interest rates.
How Interest Rates Affect Home Affordability
Interest rates play a significant role in the affordability of your mortgage refinance. They’re not the only factor – there are also mortgage refinancing costs, which can include closing costs, fees, and more. But the rate you secure will directly impact your monthly payments, which are calculated based on your loan amount, repayment term, and the interest rate.
For instance, a $200,000 home loan with a 6.00% interest rate over a 30-year term would mean a monthly payment of $1,199. However, the same loan with an 8.00% interest rate would increase your monthly payment to $1,468. Over the life of the loan, that adds up to nearly $100,000 in savings if you have the lower interest rate.
Even a small change in rates can make a big difference in your overall savings. Be sure to keep an eye on mortgage refinance rates in Delaware to ensure you’re getting the best deal.
| Interest Rate | Monthly Payment | Total Interest |
|---|---|---|
| 6.00% | $1,199 | $231,677 |
| 6.50% | $1,264 | $255,085 |
| 7.00% | $1,330 | $279,021 |
| 7.50% | $1,398 | $303,403 |
| 8.00% | $1,467 | $328,309 |
Why Refinance in Delaware?
A mortgage refinance can be a smart strategic move, depending on your financial situation. If the current mortgage interest rates in Delaware are lower than you’re paying on your existing mortgage, refinancing can reduce your monthly payments and the total amount you pay over the life of the loan.
Before refinancing, it’s a good idea to have at least 20% equity in your home, especially if you plan to cash out some equity. Accessing home equity, securing a lower rate, and changing your loan term are all ways that a refinance may be able to improve your finances.
Common Reasons to Refinance a Mortgage
Here are some typical reasons you might choose to refinance your mortgage.
• If current mortgage rates are lower than when you got your mortgage or your credit profile has improved, you may be able to secure a better rate.
• You might want to change to a longer term to ease monthly payments, or to a shorter one to pay off your loan sooner.
• If you need funds, you can cash out home equity for your expenses.
• For stability and predictability, you may want to switch from an adjustable rate to a fixed rate.
• Refinancing can let you eliminate your mortgage insurance premium if you have an FHA loan and 20% equity.
How to Get the Best Available Mortgage Refi Interest Rate
To secure the best mortgage refinance rate, follow these steps:
• Be punctual with payments and avoid new debt to help build your credit rating.
• Keep your debt-to-income ratio below 36%.
• Understand what’s available: Compare rates and fees from multiple lenders.
• Consider buying mortgage points (also called discount points) to reduce your mortgage rate if you plan to stay put for the long term.
• Opt for a shorter loan term: 15 years rather than 30. Generally, shorter terms come with lower interest rates. Your monthly payment will be higher, but your overall mortgage cost will be lower. Opting for a shorter loan term can also help you secure a better refinance rate.
Trends in Delaware Mortgage Interest Rates
Over the years, mortgage rates in Delaware, like national rates, have seen their fair share of ups and downs. For homeowners, staying abreast of current mortgage refinance rates in Delaware is key to making well-informed choices. By keeping an eye on these trends, you can position yourself to refinance at an optimal time and potentially trim down your interest expenses.
Historical U.S. Mortgage Interest Rates
Mortgage rates are influenced by a variety of economic factors, which can include:
• The Federal Reserve’s monetary policies
• Inflation
• The bond market
If you’re a homeowner, it’s important to keep an eye on these trends, especially if you’re thinking about refinancing. Staying informed about the current mortgage refinance rates in Delaware can help you make the best financial decisions for you and your family.
Historical Interest Rates in Delaware
The story of Delaware’s refinance rates tends to echo the national narrative, with significant shifts over the years. Of late, inflation has driven rates up.
It’s normal for interest rates to fluctuate. However, it means if you’re a homeowner in Delaware looking into how to refinance a mortgage, you need to keep a close eye on them. By understanding the patterns, you can plan your refinance strategically to ensure that you get as much out of it as possible.
| Year | Delaware Rate | National Rate |
|---|---|---|
| 2000 | 8.16 | 8.14 |
| 2001 | 7.03 | 7.03 |
| 2002 | 6.62 | 6.62 |
| 2003 | 5.94 | 5.83 |
| 2004 | 5.84 | 5.95 |
| 2005 | 6.18 | 6.00 |
| 2006 | 6.69 | 6.60 |
| 2007 | 6.43 | 6.44 |
| 2008 | 6.04 | 6.09 |
| 2009 | 5.10 | 5.06 |
| 2010 | 4.84 | 4.84 |
| 2011 | 4.66 | 4.66 |
| 2012 | 3.67 | 3.74 |
| 2013 | 4.03 | 3.92 |
| 2014 | 4.28 | 4.24 |
| 2015 | 4.09 | 3.91 |
| 2016 | 3.82 | 3.72 |
| 2017 | 3.94 | 4.03 |
| 2018 | 4.57 | 4.57 |
Compare Delaware Interest Rates by Mortgage Refi Type
Mortgage refi rates are not one-size-fits-all. Here’s a quick rundown of the most common types and their features, including a sense of the current Delaware refinance rates.
Conventional Refi
A conventional refinance, also known as a rate-and-term refi, is a popular choice for homeowners who would like to adjust their interest rate or loan term. While these loans often come with slightly higher rates than government-backed options, such as FHA, VA, or USDA loans, they offer greater flexibility. If you have a robust credit profile and ample equity in your home, a conventional refi could be a good fit for you.
15-Year Mortgage Refi
A 15-year mortgage refinance can be a game-changer, slashing the total interest you’ll pay over your mortgage’s lifetime, though your monthly payments will be higher. Consider this: A 30-year, $1 million loan at a 7.50% interest rate would have you paying about $6,992 each month, and a whopping $1,517,167 in total interest. Refinance to a 15-year mortgage at a 7.00% rate, and your monthly payment jumps to around $8,988. The good news? You’d only be looking at shelling out $617,891 in total interest, saving you close to $900,000. Delaware’s 15-year refinance rates are generally more affordable than 30-year rates, making this a savvy move for those who can manage the heftier monthly payments.
Adjustable-Rate Mortgage Refi
Adjustable-rate mortgages (ARMs) start off at a lower interest rate than fixed-rate mortgages, but here’s the catch — the rate can increase over time based on market conditions. If you’re thinking of moving before the rate is due to adjust, an ARM might be a smart move. Say you’ve got a 30-year fixed-rate mortgage, but you’re eyeing a move in the next few years — an ARM could mean lower monthly payments in the short term.
Cash-Out Refi
A cash-out refinance can be a practical option when you need to tap into your home’s equity for projects like home improvements or debt consolidation. Here’s a quick example: If your home is valued at $500,000 and you still owe $300,000 on your mortgage, you’ve got $200,000 in equity. Many lenders will let you borrow up to 80% of your home’s value, which would mean $100,000 for you after paying off your original mortgage. It can be a way to tackle high-interest debt, but remember to take into account the potential for higher interest rates and monthly payments.
FHA Refi
FHA refinances, insured by the Federal Housing Administration, often have lower interest rates than other loans. If you already have an FHA loan, you can opt for an FHA Simple Refinance or an FHA Streamline Refinance, which typically have fewer requirements and can be processed more quickly than a conventional refi.
For those without an FHA loan, options include an FHA cash-out refinance or an FHA 203(k) refinance, which is designed for home renovations. Open to people with lower credit scores, these options can provide flexibility and potentially reduce your monthly payments. Delaware refinance rates for FHA loans can be particularly beneficial for homeowners looking to improve their financial standing.
VA Refi
VA refinances, backed by the U.S. Department of Veterans Affairs, offer some of the lowest interest rates available. To qualify for a VA refinance, known as an Interest Rate Reduction Refinance Loan (IRRRL), you must have an existing VA loan. This type of refinance can help you secure a lower interest rate, reduce your monthly payments, or switch from an adjustable-rate to a fixed-rate mortgage. For veterans, active-duty service members, and other eligible borrowers, VA refinances can be a cost-effective way to improve your financial situation.
How to Compare Mortgage Refi Interest Rates
Now that you know what kinds of rates, terms, and loans may be available, take these steps to help you secure a refinance loan that will work for you.
• Use a mortgage calculator to understand how much you can probably afford to pay.
• Compare terms and rates from different lenders and consider the tradeoffs..
• Dig deeper by looking at each loan’s annual percentage rate (APR), which include closing costs, fees and discount points, if any. This gives you a more accurate way to compare loans than just using the interest rate for each loan.
• Be aware of not only your monthly payments with each loan, but also your total costs over the life of the loan.
• Review and do what you can to improve your credit score, debt-to-income ratio, and home value to secure the best rates.
💡 Quick Tip: Some lenders offer a so-called no-closing-cost refinance. However, that usually means either rolling the closing costs into the new mortgage principal or exchanging them for a higher interest rate.
Online Refinance Calculators
A good online mortgage calculator can be invaluable for estimating your new monthly payment and comparing different refinance options. You can typically personalize them, taking into account your current loan balance, the new interest rate, and the term of the loan to provide a clear picture of your potential savings. By inputting your specific financial details, you can determine whether refinancing is a viable option for you.
A calculator can also help you estimate how much equity is in your home, which can be useful if you’re interested in a cash-out refi.
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The Takeaway
Mortgage refinancing is a powerful financial tool that can work in your favor. Whether you’re after a lower interest rate, a change in your loan term, or access to home equity, there are options like cash-out refinances, FHA refinances, VA refinances, and more to consider. By getting your financial ducks in a row, comparing rates from various lenders, and using online tools, you can find the best Delaware refinance rates and make a smart, informed decision. Be sure to weigh the costs against the benefits to ensure that refinancing is the right move for your long-term financial goals.
SoFi can help you save money when you refinance your mortgage. Plus, we make sure the process is as stress-free and transparent as possible. SoFi offers competitive fixed rates on a traditional mortgage refinance or cash-out refinance.
A mortgage refinance could be a game changer for your finances.
FAQ
When is it a good time to refinance your home?
It’s a smart financial move to consider refinancing when you can get a much lower interest rate, which can reduce your monthly mortgage payment or help you reach other financial goals. But it’s important to weigh the costs against the savings carefully to be sure refinancing makes sense for your situation.
Can I get a lower interest rate without refinancing?
There are ways to get a lower interest rate without refinancing. If you have some extra money from a windfall, you might want to consider a mortgage recast. This means making a large, lump-sum payment toward your principal, and it can reduce your monthly payments. Another option is to reach out to your lender and ask for a loan modification. This could involve adjusting your interest rate and other loan terms to help you avoid foreclosure.
Can I get cash out of my house without refinancing?
You can get cash out of your house without refinancing if you tap into your home’s equity with a home equity line of credit (HELOC) or a home equity loan. Both options allow you to access the equity in your home. With a HELOC, you’re given a revolving credit line secured by your home’s equity, letting you borrow what you need, up to a set limit. A home equity loan gives you a lump sum of cash, also secured by your home’s equity, that you pay back over a defined period with a fixed interest rate.
Does refinancing impact your credit score?
The process of refinancing may cause a slight and temporary dip in your credit score. That’s caused by the hard inquiry and the new account on your credit report. In many cases, the benefits of refinancing, such as lower interest rates and improved loan terms, outweigh this hiccup. Speaking with a financial advisor or lender may provide the clarity you need to make an informed decision.
Do you have to pay closing costs again when you refinance?
Yes, for a refi you pay closing costs, which can range from about 2% to 5% of the loan amount. Closing costs for a refinance include an appraisal fee, title insurance, loan origination fee, and other administrative charges.
How many times can you refinance your home?
Technically, there is no limit to the number of times you can refinance. However, each new transaction incurs closing costs and may impact your credit score. Therefore, it’s a good idea to weigh the advantages and disadvantages carefully to ensure that refinancing is the right choice for your financial situation. Consulting with a financial advisor or mortgage expert can help you assess and navigate the complexities of the refinancing process.
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More refinance resources.
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How Much Does It Cost to Refinance a Mortgage?
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How to Refinance a Home Mortgage Loan
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7 Signs It’s Time for a Mortgage Refinance
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San Diego Housing Market: Trends & Prices
San Diego Housing Market: Trends & Prices (2025)
San Diego Real Estate Market Overview
(Last Updated – 04/2025)
San Diego, located along California’s southern coast, is renowned for its idyllic climate, boasting warm year-round temperatures and approximately 70 miles of pristine beaches.
Beyond its scenic coastline, San Diego features a vibrant urban core with a sophisticated art, dining, and nightlife scene, which is why many people are curious about the San Diego housing market.
In San Diego, the median home price is $989,750, Redfin says, while the median household income is close to $104,321, according to the latest census data. Proximity to the ocean adds to the price of admission — the cost of living in this area is 43% higher than the national average.
Workwise, San Diego is a hot spot for those who have a career in the Navy, health care, or the aerospace industry. When it comes to recreation, this is where San Diego really shines.
The coastal city offers a diverse array of attractions, including the world-famous San Diego Zoo, SeaWorld San Diego, and LEGOLAND California, making it a top destination for tourists and a beloved home for residents.
Just don’t plan on walking to many of these activities: While you can walk to some outings in San Diego, it has a less-than-stellar walk score of 53 (out of a total of 100).
Overall San Diego Market Trends
As local housing market trends go, San Diego is a hot topic. While housing prices rose 5.3% in February 2025 compared to last year, experts predict prices may continue to rise due to strong demand and limited inventory.
The San Diego real estate market is considered very competitive, as homes in the area generally go into contract in around 27 days and receive multiple offers. They do typically sell for 1% below list price, though.
San Diego homebuyers often face substantial down payments, with the median down payment reaching $169,000 in December 2024, nearly three times the national median. Despite these challenges, San Diego remains a desirable location for homebuyers, offering a high quality of life and a dynamic economic landscape.
$989,750
Median Sale Price
$712
Median Price Per Square Foot
27 days
Median Time on Market
San Diego Housing Market Forecast
San Diego is considered a very competitive market, with many homes receiving multiple offers. Popular homes can sell for 2% above list price and often go pending in only nine days.
Demographics of the San Diego Market
San Diego is a popular vacation spot for many and home to more than 1.4 million people, two-thirds of whom are in the workforce. San Diego’s economy is robust, with key industries offering ample employment opportunities. The health care and social assistance sector employs approximately 208,979 individuals, accounting for 13.6% of the workforce. Professional, scientific, and technical services follow closely, employing around 12% of the workforce.
The largest employer in San Diego is the U.S. Navy, followed by the University of San Diego, Cubic Corporation, and Pulse Electronics.
Median Household Income: $105,780
Median Age: 36.0
College Educated: 52%
Homeowners: 46.6%
Married: 43.6%
Popular San Diego Neighborhoods
Not sure where you want to live in San Diego? With more than 100 neighborhoods to choose from, it can definitely be a tough choice.
Some are beach communities, and others have a more urban feel, but chances are there is a neighborhood that will be a great fit for you. Below are our top picks of the five best San Diego neighborhoods to explore.
La Jolla
La Jolla, often referred to as “the jewel” of San Diego, is a picturesque coastal community located approximately 12 miles north of downtown. Surrounded on three sides by the Pacific Ocean and backed by the steep slopes of Mt. Soledad, La Jolla boasts stunning ocean views, rugged cliffs, and sandy beaches.
This, combined with the area’s upscale amenities, contributes to La Jolla’s reputation as an affluent and desirable place to live.
Quick Facts
Population:
37,665
Median Age:
46.3
Housing Units:
19,351
Bike Score:
22/100
Walk Score:
29/100
Transit Score:
28/100
Median Household Income:
$204,979
La Jolla Housing Market
According to Redfin, the La Jolla housing market is somewhat competitive, with home prices selling for an average of $2.5 million in February 2025. This is up 8.1% compared to last year.
The average home in La Jolla sells for 2% below list price and goes pending in around 50 days.
Median Sale Price
$2.5 million
Median Price Per Square Ft.
$1,230
Grantville Mission Valley
Grantville is bordered by Allied Gardens, San Carlos, Serra Mesa, and Mission Valley. It is one of the city’s oldest communities, notable for housing the historical Mission San Diego de Alcalá, which was relocated to the area in 1774. This mission remains a significant landmark and tourist attraction.
Residents appreciate the neighborhood’s family-friendly environment, quality schools, parks, and proximity to shopping centers.
Quick Facts
Population:
8,530
Median Age:
33.4
Housing Units:
3,932
Bike Score:
36/100
Walk Score:
41/100
Transit Score:
37/100
Median Household Income:
$127,894
Grantville Housing Market
The Grantville housing market is considered very competitive, partly because houses for sale in this neighborhood generally go pending in around 15 days. However, home prices are down 2.9% since last year, which is good news for buyers.
Keep in mind, though, that many listed houses receive multiple offers and typically sell for 1% above list price.
Median Sale Price
$850,000
Median Price Per Square Ft.
$621
Coronado
Coronado, located just across the bay from downtown San Diego, has stunning beaches, a charming small-town feel, and iconic landmarks. The centerpiece is the historic Hotel del Coronado, a Victorian beachfront resort that has hosted celebrities, royalty, and U.S. presidents.
With its pristine shoreline, quaint shops, and oceanfront dining, Coronado offers a relaxed coastal lifestyle that feels worlds away from the city — yet is just a short drive or ferry ride from downtown San Diego.
Quick Facts
Population:
37,116
Median Age:
41
Housing Units:
19,042
Bike Score:
73/100
Walk Score:
54/100
Transit Score:
32/100
Median Household Income:
$202,767
Coronado Housing Market
Coronado home prices dropped by 4.6% in February 2025 compared to last year. According to Redfin, the housing market is somewhat competitive, with the average home going pending within 37 days and selling at 2% below list price.
Median Sale Price
$2.3 million
Median Price Per Square Ft.
$1.73K
Del Mar
Del Mar is nestled along the northern coast of San Diego County. It’s a prestigious seaside community known for its stunning ocean views, upscale homes, and laid-back elegance. The heart of Del Mar is its historical village, filled with boutique shops, gourmet restaurants, and cozy cafés — all just steps from the beach.
Quick Facts
Population:
3,921
Median Age:
55
Housing Units:
2,586
Bike Score:
49/100
Walk Score:
84/100
Transit Score:
n/a
Median Household Income:
$267,960
Del Mar Housing Market
Real estate in Del Mar is among the most exclusive in the region, with oceanfront estates, custom-built homes, and luxury condos commanding premium prices.
The Del Mar housing market is somewhat competitive, according to Redfin. Home prices have increased 55.8% in February 2025 compared to last year, making it one of the most expensive neighborhoods in San Diego.
However, the average home goes pending in 57 days and sells for 4% below list price, so those looking to buy may be able to do some negotiating.
Median Sale Price
$3.0 million
Median Price Per Square Ft.
$2,430
North Park
North Park, located just northeast of Balboa Park, is one of San Diego’s most vibrant and eclectic neighborhoods. Its dynamic atmosphere is fueled by indie coffee shops, craft breweries, record stores, art galleries, and an impressive lineup of locally owned restaurants offering everything from vegan eats to gourmet tacos.
Known for its historical Craftsman homes, walkable streets, and a thriving arts and culture scene, North Park draws a diverse mix of residents — from young professionals and creatives to long-time locals.
Quick Facts
Population:
33,820
Median Age:
34
Housing Units:
17,912
Bike Score:
64/100
Walk Score:
86/100
Transit Score:
49/100
Median Household Income:
$114,240
North Park Housing Market
The North Park housing market is considered very competitive; however, home prices are down 19.6% from February 2025 to last year.
Homes generally sell for about 1% below list price and go pending in around 15 days. In-demand homes can sell for 1% above list price in only about seven days.
Median Sale Price
$905,000
Median Price Per Square Ft.
$772
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It’s easy to see why San Diego has become such a popular market to buy a home in. There are some really amazing neighborhoods to choose from whether you’re young and single or have a family to look after.
If you think San Diego could be your home sweet home, then you may need to consider your mortgage financing options.
Looking for an affordable option for a home mortgage loan? SoFi can help: We offer low down payments (as little as 3% - 5%*) with our competitive and flexible home mortgage loans. Plus, applying is extra convenient: It's online, with access to one-on-one help.
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FAQ
What is the current median home price in San Diego?
As of early 2025, the median home price in San Diego is approximately $989,750. Prices can vary significantly depending on the neighborhood, with upscale areas like La Jolla and Del Mar commanding much higher values.
Is the San Diego housing market considered competitive?
Yes, San Diego remains a competitive market. Many homes receive multiple offers, and desirable properties often sell quickly, sometimes above asking price.
Are home prices in San Diego going up or down?
While some neighborhoods have seen price dips, overall San Diego’s housing market has experienced modest year-over-year growth. The market remains strong, bolstered by steady demand, limited inventory, and the city’s desirable location and climate.
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SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.
Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.
*SoFi requires Private Mortgage Insurance (PMI) for conforming home loans with a loan-to-value (LTV) ratio greater than 80%. As little as 3% down payments are for qualifying first-time homebuyers only. 5% minimum applies to other borrowers. Other loan types may require different fees or insurance (e.g., VA funding fee, FHA Mortgage Insurance Premiums, etc.). Loan requirements may vary depending on your down payment amount, and minimum down payment varies by loan type.
Qualifying for the reward requires using a real estate agent that participates in HomeStory’s broker to broker agreement to complete the real estate buy and/or sell transaction. You retain the right to negotiate buyer and or seller representation agreements. Upon successful close of the transaction, the Real Estate Agent pays a fee to HomeStory Real Estate Services. All Agents have been independently vetted by HomeStory to meet performance expectations required to participate in the program. If you are currently working with a REALTOR®, please disregard this notice. It is not our intention to solicit the offerings of other REALTORS®. A reward is not available where prohibited by state law, including Alaska, Iowa, Louisiana and Missouri. A reduced agent commission may be available for sellers in lieu of the reward in Mississippi, New Jersey, Oklahoma, and Oregon and should be discussed with the agent upon enrollment. No reward will be available for buyers in Mississippi, Oklahoma, and Oregon. A commission credit may be available for buyers in lieu of the reward in New Jersey and must be discussed with the agent upon enrollment and included in a Buyer Agency Agreement with Rebate Provision. Rewards in Kansas and Tennessee are required to be delivered by gift card.
HomeStory will issue the reward using the payment option you select and will be sent to the client enrolled in the program within 45 days of HomeStory Real Estate Services receipt of settlement statements and any other documentation reasonably required to calculate the applicable reward amount. Real estate agent fees and commissions still apply. Short sale transactions do not qualify for the reward. Depending on state regulations highlighted above, reward amount is based on sale price of the home purchased and/or sold and cannot exceed $9,500 per buy or sell transaction. Employer-sponsored relocations may preclude participation in the reward program offering. SoFi is not responsible for the reward.
SoFi Bank, N.A. (NMLS #696891) does not perform any activity that is or could be construed as unlicensed real estate activity, and SoFi is not licensed as a real estate broker. Agents of SoFi are not authorized to perform real estate activity.
If your property is currently listed with a REALTOR®, please disregard this notice. It is not our intention to solicit the offerings of other REALTORS®.
Reward is valid for 18 months from date of enrollment. After 18 months, you must re-enroll to be eligible for a reward.
SoFi loans subject to credit approval. Offer subject to change or cancellation without notice.
The trademarks, logos and names of other companies, products and services are the property of their respective owners.
SOHL-Q125-212
San Antonio Housing Market: Trends & Prices
San Antonio Housing Market: Trends & Prices (2025)
San Antonio Real Estate Market Overview
(Last Updated – 4/2025)
Voted the sixth best place to live in Texas in 2024-5 by U.S. News & World Report, San Antonio offers the best of two worlds. Whether residents are looking for big-city amenities or want to spend their days in a relaxed and inviting atmosphere, San Antonio can deliver.
San Antonio may be taught in school as the home of the Alamo, but it’s also home to famous theme parks, theater and music venues, and sports arenas, not to mention its River Walk, snaking for 15 miles and offering all kinds of attractions, shopping, and eateries. Over 1.495 million residents call it home, and it currently ranks as one of America’s fastest-growing cities. The cost of living in San Antonio comes in at roughly 9% below the national average, and median home prices come in well below the national median.
By the way, San Antonio has around 250 sunny days every year. So stock up on some sunscreen and discover more helpful facts about the San Antonio housing market.
Recommended: Cost of Living by State
San Antonio Real Estate Market Trends
According to the real estate pros at Redfin, who size up national and local housing market trends, San Antonio has a somewhat competitive market. Homes in this area typically receive two offers and sell for 3% below list price.
San Antonio properties generally go to pending in 74 days, so homebuyers may not have to move too quickly to find a good deal.
Recommended: First-Time Homebuyer’s Guide
$249,000
Median Sale Price
$161
Median Price Per Square Foot
74 days
Median Time on Market
San Antonio Housing Market Forecast
For those looking to grab their Texas dream home at a discount, San Antonio may have some appealing options.
San Antonio housing prices went down by 3.9% year over year as of February 2025. Real estate experts report that homes in San Antonio remain cheaper than in other areas of the state and well below the national average. That can make it an attractive spot for those contemplating buying a home and taking out a .
Demographics of the San Antonio Market
San Antonio is a city with deep historical roots but isn’t afraid to modernize, making it an ideal place to call home for singles, families, students, and career ladder climbers.
Take a peek at the demographics of the San Antonio real estate market for a broader look at the city.
Median Household Income: $62,917
Median Age: 34.6
College Educated: 28.7%
Homeowners: 52%
Married: 44%
Popular San Antonio Neighborhoods
Ranging from undeniably modern to richly historical, the housing market in San Antonio is a diverse one with many charming neighborhoods to choose from.
Some neighborhoods prioritize arts and culture; others are at the top of their game in the medical industry or other business.
Recommended: What Are the Different Types of Home Mortgage Loans?
Olmos Park
Olmos Park prides itself on being a friendly enclave with both a small-town feel and a bustling business district.
Actually a small city surrounded by San Antonio, Olmos Park loves to host major social events throughout the year for occasions like the Fourth of July. Families will feel right at home in this tiny affluent niche, which is near the San Antonio Zoo, a popular destination.
Quick Facts
Population:
2,286
Median Age:
42.6
Housing Units:
1,060
Bike Score:
51/100
Walk Score:
48/100
Transit Score:
42/100
Median Household Income:
$326,854
Olmos Park Housing Market
Homebuyers with their eyes on Olmos Park may feel like they’re a little late to the rodeo, as this neighborhood has become somewhat competitive. Prices took a big jump up in the last year, seeing an increase of almost 87% as of February 2025. That said, typically homes in this area sell for about 5% under their list price, but some receive multiple offers.
Homes in Olmos Park spend around 57 days on the market, so buyers still have a bit of breathing room when deciding where they want to put down roots.
Median Sale Price
$1,400,000
Median Price Per Square Ft.
$335
Downtown
The world-famous River Walk may be the most popular attraction in Downtown San Antonio, but this neighborhood also offers museums, theaters, schools, and historic sites such as the Alamo (one of the city’s five missions).
There are also great restaurants and shops to enjoy, as well as superb housing options to be uncovered. Residents appreciate its walkable urban vibe, affordability, and public school system.
Quick Facts
Population:
16,6554
Median Age:
35
Housing Units:
8,472
Bike Score:
65/100
Walk Score:
82/100
Transit Score:
73/100
Median Household Income:
$61,098
Downtown Housing Market
For those thinking about heading Downtown, it’s worth noting that the housing market in this neighborhood is not considered to be very competitive. That means you could take your time, shop around, and review your options. Prices have softened, down 4% year over year as of early 2025, and the median price per square foot tumbled 44%
What’s more, homes are typically on the market for around 102 days, which can allow prospective buyers to wait and see what else comes on the market before making a final decision.
Median Sale Price
$422,500
Median Price Per Square Ft.
$239
Recommended: What to Know About Getting Preapproved for a Home Loan
Terrell Heights
Terrell Heights features lush landscapes, intimate parks, and mature trees that lend a peaceful feel to this neighborhood. It’s noted for being family-, dog-, and retiree-friendly, and there are plenty of cute coffee shops and restaurants for those who want to grab a sip or a bite while out and about.
For those looking for an escape from the hustle and bustle of San Antonio, Terrell Heights can offer a reprieve.
Quick Facts
Population:
5,045
Median Age:
42
Housing Units:
1,896
Bike Score:
50/100
Walk Score:
65/100
Transit Score:
37/100
Median Household Income:
$286,534
Terrell Heights Housing Market
The market, as of February 2025, is not very competitive in Terrell Heights, which can mean house hunters may not have to be too stressed. The median sale price dropped 3.2% year over year, and properties usually stay on the market for about 89 days, and sell for around 5% below list price.
Median Sale Price
$436,000
Median Price Per Square Ft.
$206
Oakland Estates
Real estate experts consider Oakland Estates to be a great place for a first-time homebuyer in Texas to consider. With popular education, entertainment, dining, and shopping options, Oakland Estates has many things busy professionals and families are looking for.
It’s known for having homes on larger lots, which many buyers appreciate, and being close to main roads that can zip you wherever you’re going. Plus, there are major employers like UTSA and South Texas Medical Center nearby for even shorter commuting times.
Quick Facts
Population:
57,532
Median Age:
31.9
Housing Units:
27,299
Bike Score:
37/100
Walk Score:
27/100
Transit Score:
28/100
Median Household Income:
$82,296
Oakland Estates Housing Market
The Oakland Estates housing market is somewhat competitive and could keep buyers on their toes. Prices have jumped 55.3% year over year as of February 2025. Sales tend to come in at 2% under the asking price, and they sell in an average of 46 days.
That said, there’s not a lot of inventory, so if you don’t like what’s available at a given moment, you may have to wait a month or more for more properties to come on the market.
Median Sale Price
$625,000
Median Price Per Square Ft.
$173
Dignowity Hill
Dignowity Hill is a popular neighborhood thanks to its walkability, quaint antique architecture, and proximity to downtown. Small Victorian-style houses and a historical park add to the charm of this beloved San Antonio neighborhood, which has gentrified in recent years, with empty lots being snapped up and built on by developers. There are many food and entertainment options that draw locals and those from farther afield to this area.
Quick Facts
Population:
9,685
Median Age:
39
Housing Units:
4,989
Bike Score:
64/100
Walk Score:
67/100
Transit Score:
50/100
Median Household Income:
$67,599
Dignowity Hill Housing Market
Redfin rates Dignowity Hill as “not very competitive” and reports that it’s rare for homes in this market to receive multiple offers. That’s good news for buyers who aren’t fans of a rushed purchase process. However, prices have risen just over 50% in the past year as of February 2025, which should be noted by those budgeting for a home purchase.
On average, listed homes in Dignowity Hill stay on the market for 119 days and sell for roughly 5% below list price.
Median Sale Price
$302,875
Median Price Per Square Ft.
$170
SoFi Home Loans
It’s easy to see why San Antonio has become such a popular market to buy a home in. There are some really amazing neighborhoods to choose from whether you’re young and single or have a family to look after.
Looking for an affordable option for a home mortgage loan? SoFi can help: We offer low down payments (as little as 3% - 5%*) with our competitive and flexible home mortgage loans. Plus, applying is extra convenient: It's online, with access to one-on-one help.
FAQ
Are home prices dropping in San Antonio?
At the start of 2025, the median home price in San Antonio was $249,000, a drop of 3.9% from the previous year. Prices are not currently predicted to rise, meaning San Antonio can offer a good place to purchase a home at well below the national average price.
How long are houses staying on the market in San Antonio?
At the end of 2024, data indicated that it typically takes 76 days to sell a house in San Antonio. Then it usually takes another 35 days to close, meaning a total timeline of 111 days.
Is San Antonio a good real estate investment?
There are no guarantees about whether a given city or property is a good investment, but overall, the San Antonio market is considered a good investment because prices are affordable and the area is growing considerably, with indicators of a good job market.
SoFi Mortgages
Terms, conditions, and state restrictions apply. Not all products are available in all states. See SoFi.com/eligibility-criteria for more information.
SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.
Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.
*SoFi requires Private Mortgage Insurance (PMI) for conforming home loans with a loan-to-value (LTV) ratio greater than 80%. As little as 3% down payments are for qualifying first-time homebuyers only. 5% minimum applies to other borrowers. Other loan types may require different fees or insurance (e.g., VA funding fee, FHA Mortgage Insurance Premiums, etc.). Loan requirements may vary depending on your down payment amount, and minimum down payment varies by loan type.
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
Qualifying for the reward requires using a real estate agent that participates in HomeStory’s broker to broker agreement to complete the real estate buy and/or sell transaction. You retain the right to negotiate buyer and or seller representation agreements. Upon successful close of the transaction, the Real Estate Agent pays a fee to HomeStory Real Estate Services. All Agents have been independently vetted by HomeStory to meet performance expectations required to participate in the program. If you are currently working with a REALTOR®, please disregard this notice. It is not our intention to solicit the offerings of other REALTORS®. A reward is not available where prohibited by state law, including Alaska, Iowa, Louisiana and Missouri. A reduced agent commission may be available for sellers in lieu of the reward in Mississippi, New Jersey, Oklahoma, and Oregon and should be discussed with the agent upon enrollment. No reward will be available for buyers in Mississippi, Oklahoma, and Oregon. A commission credit may be available for buyers in lieu of the reward in New Jersey and must be discussed with the agent upon enrollment and included in a Buyer Agency Agreement with Rebate Provision. Rewards in Kansas and Tennessee are required to be delivered by gift card.
HomeStory will issue the reward using the payment option you select and will be sent to the client enrolled in the program within 45 days of HomeStory Real Estate Services receipt of settlement statements and any other documentation reasonably required to calculate the applicable reward amount. Real estate agent fees and commissions still apply. Short sale transactions do not qualify for the reward. Depending on state regulations highlighted above, reward amount is based on sale price of the home purchased and/or sold and cannot exceed $9,500 per buy or sell transaction. Employer-sponsored relocations may preclude participation in the reward program offering. SoFi is not responsible for the reward.
SoFi Bank, N.A. (NMLS #696891) does not perform any activity that is or could be construed as unlicensed real estate activity, and SoFi is not licensed as a real estate broker. Agents of SoFi are not authorized to perform real estate activity.
If your property is currently listed with a REALTOR®, please disregard this notice. It is not our intention to solicit the offerings of other REALTORS®.
Reward is valid for 18 months from date of enrollment. After 18 months, you must re-enroll to be eligible for a reward.
SoFi loans subject to credit approval. Offer subject to change or cancellation without notice.
The trademarks, logos and names of other companies, products and services are the property of their respective owners.
SOHL-Q125-213
Decoding Markets: Turbulent Times
The Paradox of Bear Markets
The past few weeks have felt like a rollercoaster. Sharp sell-offs in stocks, the steady drumbeat of unsettling news, and the financial media’s word of the year so far: uncertainty. It’s easy to get caught up in the emotional swings of the market, but it’s in these exact moments when it’s most important to stay grounded.
One of the more common behavioral tendencies investors have is selling their stocks after a big selloff has already occurred. That might not sound like too big of a deal – what’s wrong with taking some capital off the table during episodes of market upheaval, right? The risk is, paradoxically, you might end up missing out on some of the best days of returns.
S&P 500 Daily Price Returns
In the last century of stock market history, one recurring pattern is that the largest positive daily moves (blue bars) tend to come right around the worst days (red). Narrowing it down to the 100 best and worst days, 58% of the best days in market history have occurred within five trading days of the worst, and 78% within 20 days. For what it’s worth, April 3 and 4 both qualify in that bucket of worst days, while the April 9 rebound ranks as one of the best.
The seeds of a strong rebound are often sown after selloffs, when fear and panic are at their most severe. Missing just a few of these crucial rebound days can significantly impact your long-term returns.
If you were invested in the S&P 500 from 1928 until now, you’d have an annualized price return of 6.1% (i.e. not accounting for dividends or inflation). But if you missed the 10 best days of that period and nothing else, you’d have an annualized price return of 4.9%. In other words, one-fifth of all your gains would have been lost just from missing those days. It’s a tough lesson in discipline, but staying invested is essential.
Fundamentals Have Gravity
Markets can be prone to wild swings as sentiment shifts dramatically, but over the long-term, broader fundamentals are the main driver of stock market performance.
Much has been written about the potential impact of tariffs, but there’s still very little visibility into how trade policy will interact with business uncertainty and retaliation from other countries. There have been some downward revisions to corporate earnings estimates over the last month, but overall they have been quite muted in aggregate and nothing like the 20-30% decline typically seen in recessions.
S&P 500 EPS Revisions Since March 9
First-quarter results might show some resilience due to tariff timing, and that is indeed reflected in revisions being concentrated in future quarters. What companies communicate about the outlook is always important to investors during earnings season, but the sudden shift in the operating environment means an even greater focus on management guidance.
Given that management teams are dealing with the same uncertainty we all are, it’s hard to imagine investors will get the clarity they’re seeking on the outlook. If anything, investors may get even less guidance than usual. That might keep earnings expectations from being revised too significantly in the short-term.
An added wrinkle in the volatile trading environment has been the dramatic rise in long-term Treasury yields, with 10 and 30-year maturities surging by as much as 60 basis points since April 8. These rates are key benchmarks for things like mortgages and can even have an impact on stock valuations. Reasons for the surge are not fully clear, but some investors have begun worrying about financial market stability. Some have even speculated that the Federal Reserve might step in to calm things down.
The ongoing volatility can be unsettling, but it’s important to remember that these swings are a normal part of investing. Stay informed, stay disciplined, and remember that long-term perspective is your greatest asset.
Want more insights from SoFi’s Investment Strategy team?
The Important Part: Investing With Liz Thomas, a podcast from SoFi, takes listeners through today’s top-of-mind themes in investing and breaks them down into digestible and actionable pieces.
SoFi can’t guarantee future financial performance, and past performance is no indication of future success. This information isn’t financial advice. Investment decisions should be based on specific financial needs, goals and risk appetite.
Communication of SoFi Wealth LLC an SEC Registered Investment Adviser. Information about SoFi Wealth’s advisory operations, services, and fees is set forth in SoFi Wealth’s current Form ADV Part 2 (Brochure), a copy of which is available upon request and at www.adviserinfo.sec.gov. Mario Ismailanji is a Registered Representative of SoFi Securities and Investment Advisor Representative of SoFi Wealth. Form ADV 2A is available at www.sofi.com/legal/adv.
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Tampa Housing Market: Trends & Prices
Tampa Housing Market: Trends & Prices (2025)
Tampa Real Estate Market Overview
(Last Updated – 04/2025)
When we think of Tampa, we think of fun. This Florida city brims with attractions, arts and culture, business, and sports. Tampa is home to the famed Busch Gardens theme park, an aquarium and zoo, and the popular Riverwalk.
Naturewise, there are plenty of parks, dog parks, greenways and trails, skate parks, water activities, and marinas. Sports fans in the Tampa Bay area can root for the Buccaneers, Lightning, and Rays.
Tampa is the 53rd largest city in the United States and the 3rd largest city in Florida, which may be why it has so much to offer. That said, if residents need to get away, Tampa International Airport and the Port of Tampa, a popular spot for those looking to board a cruise ship, will get them where they need to go.
The average home value in Tampa is $374,105, according to Zillow, with home prices down 1.3% over the past year. In comparison, the average price in the U.S. is currently lower than Tampa at $357,138, which is up 2.6% from the previous year.
If you’re thinking of moving to Tampa or buying property in Tampa, you’ll want to check out our assessment of the home-buying, demographic, and market trends in the area.
Overall Tampa Market Trends
Tampa is currently in a cooling period after years of rapid growth. However, according to U.S. News & World Report, it’s still considered a hot housing market, ranking #14 in the nation as of 2025.
As U.S. housing markets go, the industry pros at Redfin consider Tampa to be a somewhat competitive one. Some homes for sale receive multiple offers. Listings typically sell for around 4% below list price and stay on the market for only about 45 days.
$449,950
Median Sale Price
$290
Median Price Per Square Foot
45 days
Median Time on Market
Tampa Housing Market Forecast
For those thinking of buying in the Tampa real estate market, it can be helpful to look at some key demographics.
For example, Tampa’s median home price was down 1.3% in the past year, according to Zillow. However, home prices are still slightly higher than the national average of $357,138. Nonetheless, the Tampa housing market is still considered more affordable than other real estate markets in the country, especially when compared with other cities in Florida.
The city has also seen an increase in inventory of active listings. With competitive pricing and homes going to pending somewhat quickly, buyer demand is evidently strong. Real estate experts also predict a continued increase in home values.
Demographics of the Tampa Market
Tampa is the third largest city in Florida and is on the state’s west coast. Residents enjoy an average annual temperature of a balmy 73 degrees. As of 2025, Tampa’s population is 413,657, with an annual growth rate of 1.26%.
Tampa’s workforce is supported by thriving industries such as health care, finance, education, tourism, and technology. Major employers in the region include BayCare Health System, JPMorgan Chase, the University of South Florida, and several defense contractors. The strong job market, paired with relatively affordable housing compared with other major coastal cities, continues to make Tampa an appealing location for both new residents and investors.
Take a look at the demographics of the overall Tampa housing market before perusing popular Tampa neighborhoods.
Median Household Income: $71,302
Median Age: 35.5
College Educated: 44.6%
Homeowners: 50.2%
Married: 40.7%
Popular Tampa Neighborhoods
Tampa features bustling urban-style neighborhoods with great restaurants and nightlife, suburban family-friendly neighborhoods, and areas with historical charm.
Here are details about five popular Tampa neighborhoods and what their real estate markets look like.
Harbour Island
Harbour Island is an upscale, waterfront neighborhood located just south of downtown Tampa, offering a blend of luxury living and urban convenience. Connected to the city by the Harbour Island Bridge and the Riverwalk, this exclusive community features high-rise condos, townhomes, and private estates, many with stunning views of Tampa Bay and the city skyline.
Residents enjoy a tranquil, resort-like atmosphere while being just minutes from top attractions like Amalie Arena, Sparkman Wharf, and the Tampa Convention Center. The neighborhood boasts gated communities, private marinas, and lush landscaping, along with walkable access to shops, fine dining, and scenic waterfront trails.
Quick Facts
Population:
17,631
Median Age:
36.3
Housing Units:
11,063
Bike Score:
49/100
Walk Score:
49/100
Transit Score:
44/100
Median Household Income:
$129,027
Harbour Island Housing Market
The Harbour Island housing market is somewhat competitive, with some homes receiving multiple offers. Homes typically sell for around 3% below list price and stay on the market for roughly 36 days.
Median Sale Price
$763,912
Median Price Per Square Ft.
$456
Palma Ceia
For a taste of Europe, try Palma Ceia. This charming neighborhood is beloved for its European-style brick streets and arts scene, and there are plenty of cafes, coffee shops, and chic boutiques to choose from.
Families are drawn to Palma Ceia for its highly rated public schools. The community exudes a friendly and welcoming atmosphere, making it a desirable place to live for those seeking a blend of historical charm and modern conveniences in Tampa.
Quick Facts
Population:
26,625
Median Age:
40.4
Housing Units:
11,192
Bike Score:
59/100
Walk Score:
65/100
Transit Score:
33/100
Median Household Income:
$223,527
Palma Ceia Housing Market
The median sale price in Palma Ceia was up 14.6% in February 2025 compared with last year, but the median sale price per square foot dropped 5.5% in the same time frame.
On average, Palma Ceia homes sell for about 2% below list price, with many homes receiving multiple offers. Typical homes go pending in around 56 days, and in-demand homes can go pending in 11 days in this very competitive housing market.
Median Sale Price
$1.1 mil
Median Price Per Square Ft.
$467
North Hyde Park
North Hyde Park is a dynamic, up-and-coming neighborhood that blends historical charm with modern development. Located just west of downtown and adjacent to the University of Tampa, this area is gaining popularity among young professionals, students, and families seeking proximity to the city’s core without the high price tag of neighboring South Tampa.
Residents enjoy easy access to the Riverwalk, trendy restaurants, coffee shops, and cultural spots. With its walkability, growing amenities, and a strong sense of community, North Hyde Park is quickly becoming one of Tampa’s most desirable places to live.
Quick Facts
Population:
2,011
Median Age:
34
Housing Units:
958
Bike Score:
66/100
Walk Score:
79/100
Transit Score:
36/100
Median Household Income:
$132,851
North Hyde Park Housing Market
If prospective buyers find a home they love in North Hyde Park, they may need to move quickly. Typically, homes sell in around 27 days for 4% below list price. Some receive multiple offers.
Median Sale Price
$799,990
Median Price Per Square Ft.
$356
West Meadows
West Meadows is a master-planned community located in the New Tampa district of Tampa, Florida. Situated northeast of downtown Tampa, it offers residents a suburban environment with convenient access to urban amenities.
The neighborhood is comprised of twelve distinct villages, each featuring a variety of housing options, including single-family homes, townhomes, and maintenance-free villas, with both gated and nongated configurations.
Quick Facts
Population:
4,736
Median Age:
32.6
Housing Units:
1,400
Bike Score:
71/100
Walk Score:
89/100
Transit Score:
63/100
Median Household Income:
$161,019
West Meadows Housing Market
In this somewhat competitive market, some homes receive multiple offers and sell in around 45 days.
Despite the competitiveness, homebuyers may be able to score a deal. On average, West Meadows area homes sell for about 4% below list price.
Median Sale Price
$335,000
Median Price Per Square Ft.
$194
Oakford Park
Oakford Park is a historic neighborhood that features a mix of architectural styles, including mid-century homes and newer construction. Residents enjoy a sparse urban feel, with numerous bars, restaurants, coffee shops, and parks contributing to a vibrant community atmosphere. The population is diverse, encompassing young professionals, families, and retirees.
Oakford Park is both family-friendly and dog-friendly. Residents appreciate the convenient location, which offers access to various amenities and highly rated public schools.
Quick Facts
Population:
3,201
Median Age:
40
Housing Units:
1,625
Bike Score:
70/100
Walk Score:
62/100
Transit Score:
35/100
Median Household Income:
$134,977
Oakford Park Housing Market
In the past year, the median home price in this neighborhood rose by 13.9%.
The Oakford Park housing market is very competitive. Homes are pending within eight days, on average, and typically sell for 3% below list price.
Median Sale Price
$695,000
Median Price Per Square Ft.
$341
SoFi Home Loans
It’s easy to see why Tampa has become such a popular market to buy a home in. There are some really amazing neighborhoods to choose from whether you’re young and single or have a family to look after.
If you think Tampa could be your home sweet home, then you may need to consider your mortgage financing options.
Looking for an affordable option for a home mortgage loan? SoFi can help: We offer low down payments (as little as 3% - 5%*) with our competitive and flexible home mortgage loans. Plus, applying is extra convenient: It's online, with access to one-on-one help.
FAQ
What is the current trend in Tampa home prices?
After years of rapid growth, Tampa is currently in a cooling period. Housing inventory is slightly increasing, and home prices are selling below list price. However, homes still don’t stay on the market long and are typically pending quickly compared with other areas.
Is Tampa a buyer’s or seller’s market right now?
As of 2025, Tampa is a balanced market leaning slightly more toward a buyers market due to increased inventory. However, well-priced homes often receive multiple offers, especially in desirable school districts and centrally located neighborhoods.
How does Tampa’s cost of living compare to other Florida cities?
Tampa’s cost of living is generally lower than cities like Miami and Orlando, but higher than inland cities such as Lakeland or Ocala. Housing remains the largest cost factor for residents.
SoFi Mortgages
Terms, conditions, and state restrictions apply. Not all products are available in all states. See SoFi.com/eligibility-criteria for more information.
SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.
Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.
*SoFi requires Private Mortgage Insurance (PMI) for conforming home loans with a loan-to-value (LTV) ratio greater than 80%. As little as 3% down payments are for qualifying first-time homebuyers only. 5% minimum applies to other borrowers. Other loan types may require different fees or insurance (e.g., VA funding fee, FHA Mortgage Insurance Premiums, etc.). Loan requirements may vary depending on your down payment amount, and minimum down payment varies by loan type.
Qualifying for the reward requires using a real estate agent that participates in HomeStory’s broker to broker agreement to complete the real estate buy and/or sell transaction. You retain the right to negotiate buyer and or seller representation agreements. Upon successful close of the transaction, the Real Estate Agent pays a fee to HomeStory Real Estate Services. All Agents have been independently vetted by HomeStory to meet performance expectations required to participate in the program. If you are currently working with a REALTOR®, please disregard this notice. It is not our intention to solicit the offerings of other REALTORS®. A reward is not available where prohibited by state law, including Alaska, Iowa, Louisiana and Missouri. A reduced agent commission may be available for sellers in lieu of the reward in Mississippi, New Jersey, Oklahoma, and Oregon and should be discussed with the agent upon enrollment. No reward will be available for buyers in Mississippi, Oklahoma, and Oregon. A commission credit may be available for buyers in lieu of the reward in New Jersey and must be discussed with the agent upon enrollment and included in a Buyer Agency Agreement with Rebate Provision. Rewards in Kansas and Tennessee are required to be delivered by gift card.
HomeStory will issue the reward using the payment option you select and will be sent to the client enrolled in the program within 45 days of HomeStory Real Estate Services receipt of settlement statements and any other documentation reasonably required to calculate the applicable reward amount. Real estate agent fees and commissions still apply. Short sale transactions do not qualify for the reward. Depending on state regulations highlighted above, reward amount is based on sale price of the home purchased and/or sold and cannot exceed $9,500 per buy or sell transaction. Employer-sponsored relocations may preclude participation in the reward program offering. SoFi is not responsible for the reward.
SoFi Bank, N.A. (NMLS #696891) does not perform any activity that is or could be construed as unlicensed real estate activity, and SoFi is not licensed as a real estate broker. Agents of SoFi are not authorized to perform real estate activity.
If your property is currently listed with a REALTOR®, please disregard this notice. It is not our intention to solicit the offerings of other REALTORS®.
Reward is valid for 18 months from date of enrollment. After 18 months, you must re-enroll to be eligible for a reward.
SoFi loans subject to credit approval. Offer subject to change or cancellation without notice.
The trademarks, logos and names of other companies, products and services are the property of their respective owners.
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