Will Higher Interest Rates Make It Harder to Sell My Home?

Higher interest rates are one of the most misunderstood factors in today’s Charlotte housing market. Yes, they affect buyers—but not in the simple, doom-and-gloom way most headlines suggest.

Josh Finigan & The Finigan Group help sellers understand how rates actually change buyer behavior—and what that means for pricing and strategy.

What higher rates really do

Higher interest rates primarily:

Reduce buyer purchasing power
Make buyers more price-sensitive
Increase focus on monthly payment, not just price

This doesn’t mean homes stop selling. It means buyers become more selective.

Where sellers feel the impact most

Josh sees rate pressure show up fastest when:

Homes are priced above recent comps
Condition doesn’t match the price
Sellers expect 2021-style bidding wars

In contrast, homes that are:

Properly priced
Move-in ready
Clearly better than nearby competition

still sell—even in higher-rate environments.

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How Josh adjusts strategy when rates rise

The Finigan Group doesn’t fight the market. They adapt to it:

Tighter pricing from day one
Cleaner presentation to justify value
Negotiation strategies that protect net proceeds, not ego

Josh also helps sellers understand buyer psychology in a higher-rate market—what they’ll overlook, what they won’t, and how to position your home accordingly.

The bottom line

Higher interest rates don’t make it impossible to sell. They make strategy more important.

If you’re selling in Charlotte and worried about rates, don’t rely on headlines. Talk to Josh Finigan & The Finigan Group and get a plan that works in the market you’re actually in.