December 23, 2025
The national housing market is showing encouraging signs as 2025 wraps up. Existing home sales rose for the third straight month in November, hitting their strongest pace since February. Inflation cooled unexpectedly, with the Consumer Price Index up just 2.7% year-over-year – a positive signal for future mortgage rates. Even with unemployment ticking up to a 4-year high of 4.6%, the labor market remains stable, with modest job growth and limited layoffs.
As Jason Waugh, President of Coldwell Banker Affiliates, highlights in his weekly analysis: Lower mortgage rates are fueling this momentum, easing affordability pressures while home prices continue steady appreciation (median now at $409,200, up 1.2% year-over-year).
But while the national picture is improving gradually, Florida's Treasure Coast – particularly Vero Beach and Hutchinson Island – is outperforming with even stronger advantages for buyers and relocators.
Why Vero Beach and Hutchinson Island Are Winning in Today's Market
Florida's housing market mirrored the national uptick, with closed sales of single-family homes up 3.4% year-over-year in November. Lower rates are bringing buyers back, and the Treasure Coast is seeing a shift toward a more balanced – even buyer-friendly – environment.
In Vero Beach, dubbed America's strongest cash-driven luxury market in 2025, an astonishing 62.7% of transactions are all-cash. This insulates the area from rate fluctuations, creating resilience amid national uncertainty. Median prices hover around $370,000–$430,000 (depending on segment), offering incredible value compared to the national $409,200 – especially for oceanfront and riverfront properties.
Nearby Hutchinson Island, a serene barrier island paradise, boasts pristine beaches, waterfront condos, and luxury estates with direct Atlantic access. Inventory here is rising, giving buyers more choices and negotiating power – perfect timing as rates ease.
The entire Treasure Coast is trending toward a buyer's market in late 2025: More inventory, homes lingering longer on the market, and stabilizing prices. Relocators from high-tax, high-cost states are driving demand, drawn to Florida's no state income tax and lower property taxes.
The Tax & Lifestyle Edge: Why Now Is Prime Time for the Treasure Coast
Cooling inflation and stable jobs signal potential for further rate drops – great news nationally, but amplified here:
- No state income tax saves high-earners thousands annually.
- Property taxes in Indian River and St. Lucie counties remain far below many northern states.
- Year-round sunshine, uncrowded beaches, world-class fishing, and a relaxed vibe – from Vero's refined coastal charm to Hutchinson Island's untouched natural beauty.
With increased inventory and cash-heavy buyers keeping the market steady, Vero Beach and Hutchinson Island offer luxury oceanfront living at attainable prices – often with private beaches, docks, and resort amenities.
The Bottom Line: Opportunity Knocks on the Treasure Coast
National trends point to a transitioning market with improving affordability. But if you're seeking more space, serenity, and savings, Vero Beach and Hutchinson Island are where the real momentum is building.
As cooling inflation paves the way for better borrowing conditions, now's the time to explore Florida's hidden gems. Trade crowded coasts for endless Atlantic views – and lock in before the next wave of relocators arrives
