Same Mortgage Rates, Different Fort Mill Market

Mortgage rates are almost exactly where they were a year ago, 6.6 to 6.75% today versus 6.74% a year ago. Basically unchanged. But Fort Mill's housing market looks nothing like it did back then.

Two years ago, Fort Mill had about two and a half months of housing supply. Today it's over four. Closed sales are up from around 145 a month to nearly 190. New listings have climbed too. More homes, more buyers, more deals getting done, and rates had almost nothing to do with it.

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This week alone, 37 homes went under contract in Fort Mill against 32 new listings. Demand is still keeping pace with supply, even in a rate environment nobody's excited about.

If you've been waiting on rates to make the decision for you, Fort Mill's market isn't waiting. Let's go over the numbers together, what you'd pay now versus what rates might look like in a year, and whether buying now and refinancing later makes sense for your situation. No pressure, just real numbers.