With Florida still ranking as a top destination for retirees and snowbirds, many potential buyers are wondering the same thing: “Should I wait for a bigger price drop, or buy now while inventory is up?”

While no one has a crystal ball, here’s what I’ve observed from market reports, builder trends, and conversations with local insiders in Florida—and how it might affect your buying decision.

1. Builders Are Still Catching Up

After nearly eight years of red-hot demand across the country, many developers in Florida have been racing to catch up. Once construction begins, though, those projects can't just stop overnight—even if the market slows.

That’s why we’re starting to see price adjustments, especially in areas where new construction is competing heavily with resale inventory. Builders often have investors to pay and cash flow to maintain, which means they’re more likely to cut prices than hold out for top dollar.

2. Spotlight on The Villages

One standout example is The Villages—a massive, well-known retirement community continuing to expand aggressively. As of mid-2025, they’re still building around 250 units per month. That volume alone puts pricing pressure on similar nearby developments and existing resale homes.

For buyers, that means more choices, better negotiating power, and increased likelihood of builder incentives.

3. What If Prices Drop More?

If you're buying for the long term and planning to pay cash, a small dip in prices shouldn’t scare you. Even if the market comes down a bit more over the next year or two, history tells us real estate downturns are usually temporary.

And if you’re currently earning less than 5% in other investments, real estate—especially in growing areas—can be a stable alternative with long-term appreciation potential.

The Bottom Line

“Time in the market” often beats “timing the market.”

If you’re planning to use the home, secure a foothold in a popular area, or simply want your money working harder than it is in a savings account, it could be the right time to make your move.

And if you're not sure? Let’s talk. A conversation now can help you make a smarter decision when the right opportunity does come along.