Homeowners still hold a powerful advantage: equity. Even with modest cooling in some metros, years of appreciation mean most sellers are far ahead and can use that equity to fund the next move in Hillsborough and Pinellas.
Equity converts into choices. You can use proceeds to cover closing costs, buy down your next rate, or increase your down payment to lower the monthly. If your current house no longer fits, equity bridges you to the right size and location.
FHFA House Price Index — Data & Reports
Decide up front how much to allocate to prep, payoff, and the next purchase. If rates are your constraint, compare permanent points versus a seller-paid buydown on the next loan. If monthly payment is the lever, use part of your proceeds for a stronger down payment instead of stretching price.
Price to the freshest pendings and the best competing actives for your size and condition. If nearby inventory rises, tighten list price and access in week one to protect momentum. For a clear seller framework, read Pricing Sells Homes, Not Patience.
