Mortgage Rate Drips Boost Buying Power in Roswell Ga

How Mortgage Rate Drops Boost Your Buying Power in Roswell Ga

September 18, 20252 min read

Imagine saving $150 a month on the same home, just because rates dropped. 

That’s exactly what’s happening now, thanks to mortgage rates dropping to their lowest point in 11 months. That drop means homebuyers in [Your Market] have more purchasing power today than they’ve had in nearly a year. 

Let’s dive in. 

What Happens When Mortgage Rates Drop?

Mortgage rates work like a price tag on your loan. When rates are high, borrowing money costs more each month. When they drop, even by a small percentage, your monthly payment shrinks.

That lower payment means one of two things:

  • You spend less each month for the same home.

  • You buy more home for the same monthly budget.

How Much Home Can You Afford?

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Let’s look at an example of a buyer with a $3,000 monthly housing budget.

In June, when rates averaged 6.9% a buyer could afford about $446,000, assuming a 20% down payment on a 30-year mortgage. 

A couple of weeks ago, when rates were closer to 6.5%, that same buyer could have afforded a $460,500 home.

And now that rates have a new 2025 low of
6.27%? That buyer can afford a home worth $468,000.

In other words, buyers have gained $7,500 in purchasing power in the past week alone and a total of $22,000 in just three months.

Monthly Savings Add Up Fast

Here’s another way to look at this: 

The median U.S. home costs about $444,000. In June, the monthly mortgage payment would have been about $2,624 for a median-priced home. 

Today, the monthly mortgage payment for that home comes in at $2,481—a savings of roughly $150 every month. Over the life of a loan, that’s tens of thousands of dollars saved. 

Now, let’s look at an example here in Roswell, Ga, where the median home price is currently $650,000.

Let’s look at the math: 

  • Monthly payment for a median-priced home in Roswell, Ga now at 6.27%: $3,208

  • Monthly payment at 6.5%: $3,287

  • Monthly payment at 6.9%: $3,425

  • Monthly savings: $217 (that's $2,604 a year in savings!)

Those monthly savings on housing could help in a number of ways: 

  • Building a “rainy day fund”

  • Paying off higher-interest debt more quickly

  • Investing for retirement

  • Saving for a vacation or a bucket list adventure

  • Saving for holiday spending (gifts, travel, decorating)

Is This Your Window?

Mortgage rates don’t typically fall this low without good reason. Recent economic data has shifted the outlook, and buyers are in a unique position. 

Lower rates don’t just improve affordability; they also create new opportunities in the housing market.

Tania Works Hard, Lives Fully, and Loves the Roswell, Georgia Community
Roswell, Georgia, is more than where I work; it’s been home since 2002. My husband Doug and I have raised our four children here, all of whom have attended Roswell’s public schools: Mountain Park Elementary, Crabapple Middle School, and Roswell High School. From cheering at Hornets games to traveling for college lacrosse with Georgetown and Clemson, our family’s roots and relationships run deep.
When I’m not showing homes or negotiating offers, you’ll often find me on the lacrosse field supporting my kids and their teams. Go Hornets! #WeAreOneRoswell! Hoya Saxa! #GATA #GoTigers #AllIN #Clemson
As a top real estate agent in Roswell, GA, I know our local market inside and out. This knowledge helps my clients avoid overpaying, spot the best opportunities, and make informed decisions during inspections and negotiations. I’ve been ranked in the top 10% of Atlanta REALTORS® for multiple years, and my results speak for themselves; homes sold faster, for higher prices, with less stress.
But what truly sets me apart is my commitment to making your buying or selling experience exceptional. Whether you’re purchasing your first home, moving up, downsizing, or investing, I deliver the market insight, luxury service, and attention to detail you deserve. You focus on living your life, and I’ll handle the details that make your transaction smooth and successful.
If you’re thinking about buying or selling a home in Roswell or the North Atlanta suburbs, I’d love to connect. Let’s grab a coffee and talk about your perfect spot.

Tania Gardère MacLeod

Tania Works Hard, Lives Fully, and Loves the Roswell, Georgia Community Roswell, Georgia, is more than where I work; it’s been home since 2002. My husband Doug and I have raised our four children here, all of whom have attended Roswell’s public schools: Mountain Park Elementary, Crabapple Middle School, and Roswell High School. From cheering at Hornets games to traveling for college lacrosse with Georgetown and Clemson, our family’s roots and relationships run deep. When I’m not showing homes or negotiating offers, you’ll often find me on the lacrosse field supporting my kids and their teams. Go Hornets! #WeAreOneRoswell! Hoya Saxa! #GATA #GoTigers #AllIN #Clemson As a top real estate agent in Roswell, GA, I know our local market inside and out. This knowledge helps my clients avoid overpaying, spot the best opportunities, and make informed decisions during inspections and negotiations. I’ve been ranked in the top 10% of Atlanta REALTORS® for multiple years, and my results speak for themselves; homes sold faster, for higher prices, with less stress. But what truly sets me apart is my commitment to making your buying or selling experience exceptional. Whether you’re purchasing your first home, moving up, downsizing, or investing, I deliver the market insight, luxury service, and attention to detail you deserve. You focus on living your life, and I’ll handle the details that make your transaction smooth and successful. If you’re thinking about buying or selling a home in Roswell or the North Atlanta suburbs, I’d love to connect. Let’s grab a coffee and talk about your perfect spot.

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4651 Woodstock Road, Ste 208-245, Roswell GA 30075

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