3 Fed Rate Cuts. Mortgage Rates Don’t Budge! Seattle’s Eastside Real Estate Update 12-10-25

3 Fed Rate Cuts... Mortgage Rates Don't Budge! Seattle's Eastside Real Estate Update • 12-10-25 **Hosted by Tony Meier • Windermere Real Estate • 36 Years Experience** Welcome back to your weekly Eastside housing update. Even with *three* recent Federal Reserve rate cuts, the mortgage market has barely moved — and the gap between policy and mortgage pricing is becoming a defining trend for buyers and sellers heading into year-end. As someone who has helped **779 Eastside clients buy and sell successfully**, my goal is always to make these weekly shifts understandable and actionable so you can make confident decisions. Let’s dive in. 📉 **Interest Rates** Rates are **down 0.48%** year-over-year and sitting at **6.30%**, yet buyers are still waiting for a more meaningful drop. While mortgage rates haven't reacted to the Fed, the softening trend is still a step in the right direction — especially heading into 2026. 🏡 **Active Listings** 📉 Down **4%** from last week 📈 Up **76%** compared to last year Inventory continues its seasonal decline, offering sellers a bit more breathing room. Compared to last year, however, buyers still have significantly more choice — a theme that continues to shape pricing and pace. 📝 **Pending Sales** 📈 Up **9%** from last week 📉 Down **15%** compared to last year Despite steady rates and seasonal distractions, buyers who are active right now are serious. This is not a “tire-kicking” market — those writing offers are motivated and well-qualified. 📊**Months of Inventory (MOI)** ⬇ **3.14 months** this week 📉 Down from **3.58** last week 📈 Up **107%** compared to last year The Thanksgiving week spike has now corrected, as expected. MOI dropping back down signals more balance returning — though the market remains slower than the intense pace of 2024. ## 💵 **Median Sold Price** $1,425,000 ➖ Steady from last week 📉 Down **9%** compared to last year Higher inventory and selective buyer behavior are putting pressure on pricing, especially in more entry-to-mid tier price points. Well-prepared homes continue to outperform the averages. ✨ **For Sellers** With inventory continuing its seasonal decline, competition is easing. Serious buyers are still active, but they’re discerning — which means thoughtful presentation, accurate pricing, and strategic positioning matter more than ever. Homes that check these boxes continue to secure excellent results, even in a slower cycle. 💼 **For Buyers** Rates remain nearly **0.50% lower** than a year ago, and selection is stronger than normal for December. As MOI trends back downward, this could be a narrowing window to secure value before competition increases again in early 2026. Being well-prepared ensures you can act decisively when the right home surfaces. 🔑 Trusted Guidance for a Moving Market Behind every data point is a family’s next chapter. With more than 779 Eastside sales completed, I’m here to help you read the market clearly, act with confidence, and move forward with a plan built around your priorities — not guesswork. 📌 **Communities Covered** Bellevue | Redmond | Kirkland | Woodinville | Sammamish | Issaquah | Bothell | Lake Washington | Lake Sammamish # 💼 **Expertise In** ✔ Eastside luxury listings ✔ Strategic market positioning ✔ Pricing and negotiation mastery ✔ Buy/sell coordination ✔ Real-time data insights If you have any questions while navigating your real estate journey, we're here to help! Tony Meier & Team - Windermere 🏡 If you need assistance or know someone who does, give us a call at 425-466-1000! 📞 Connect with us online at: Web: 🌐 https://eastsidehomes.com Facebook: 👍 https://www.facebook.com/tmeier Instagram: 📸 https://www.instagram.com/tonymeier.windermere LinkedIn: 🌟 https://www.linkedin.com/in/tonymeier/ Our mission: With 36 years of real estate expertise, we empower you to make confident decisions. We handle every detail as if you were family—offering personalized guidance, skilled negotiation, and unwavering support. From the first conversation to long after closing, you can count on us for professionalism, insight, and results. If we can help you or your referrals, call today!