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Interest rates have been the headline of 2025 — but the real insight lies in how the market responds, not just when the rates change.
In 33 years of watching Utah’s cycles, I’ve seen the same rhythm again and again:
When rates start to fall, it takes about six months for buyers to truly respond. By the time the crowd catches on, prices and competition usually start rising.
When rates start to fall, it takes about six months for buyers to truly respond. By the time the crowd catches on, prices and competition usually start rising.
That six-month window can be a powerful opportunity — especially for those planning ahead.
Across Salt Lake County, particularly in Sandy and Midvale, I’m already seeing homeowners and buyers preparing for the next phase. Whether it’s refinancing, moving up, or timing a sale for early 2026, the smartest moves happen before the rush.
It’s not about guessing the bottom — it’s about being ready when it arrives.
