Even with more listings, some buyers are not finding the right fit at the right price. That is why more shoppers across Hillsborough County, Riverview, Brandon, Westchase, and St. Petersburg are looking at new construction. Builders have more completed homes than usual and they want them sold, which opens the door to meaningful savings.
National survey data shows sixty six percent of builders used buyer incentives in August. That is the highest share in years. Many are also adjusting list prices, and roughly a third reported price cuts with an average reduction near five percent. See the latest details in the NAHB builder confidence release and consumer coverage in Realtor.com’s market brief.
Common options include:
We compare communities in Tampa and Pinellas so you can pick the mix that delivers the best total value for your payment goal.
A two one buydown lowers the rate in year one and year two, then steps to the note rate. A permanent buydown lowers the rate for the full term. We model both so you see the breakeven point, the monthly payment impact, and how much principal you pay down in the first five years. For background, review how temporary buydowns work.
New homes often deliver modern layouts, energy savings, and fewer early repairs. With incentives back, the total cost can compete with resales in Brandon or Westchase even when the headline price is similar. For timing and pace, see Why Buyers Finally Have Time To Shop Smart, and for context on supply, read New Home Inventory Is Up, Here’s What It Really Means.
Model home reps are friendly, but they represent the builder. Bring your agent from day one. We confirm lot premiums, HOA or CDD details, insurance considerations, and contract terms that affect your bottom line. Then we negotiate for the combination of price, credits, and rate options that fits your plan.
