Published March 4, 2026

Don't Wait For 4% Rates - Harsh Truth About St. George Housing

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Written by Jeremy Larkin

Don't Wait For 4% Rates - Harsh Truth About St. George Housing header image.

 

DESCRIPTION

Stop waiting for 4% rates. They're never coming back.

Best case? Mid-fives. Maybe. Here's what's actually happening in St. George and why waiting could cost you.

 

What You'll Learn:

Why 4% rates are fantasy (and who profits from you believing it)

How 1-point rate drop = ~$400/month savings

Builder buydowns offering 3.99% TODAY on select homes

St. George stability: migration + lifestyle demand

10-year track record: homes go up consistently

When waiting hurts vs when to act

Real downsizing case: equity into near-zero housing costs

 

The Truth:

A one-point rate drop saves $400/month or expands buying power from $500K to mid-$500s. While everyone waits, some builders offer 3.99% NOW. Affordability has improved from 2022 lows. The Parade of Homes is entertainment—real buyers transact daily.

The 10-Year Reality:

If your timeline is 2 years, risk dominates. Across 10 years, history favors owners. Choose timing by life needs, not headlines. Then use data to negotiate and protect downside.

 

Have other questions about living in, moving to, or visiting St. George and Southern Utah? Just ask!

 

P. 435-291-5443

E. sales@gostgeorge.com

Web: www.GoStGeorge.com

Insta: https://www.instagram.com/larkingroup

FB: https://www.facebook.com/StGeorgeExperts

 

🔍  SEARCH ALL HOMES AND LAND in Washington County https://www.gostgeorge.com/

 🔗 CHECK YOUR CURRENT HOME EQUITY @ https://www.gostgeorge.com/homevalue

 

[00:00:00] Bold Promises, Real Talk

[00:03:48] The Interest Rate Reality Check

[00:07:50] Affordability Trends And Perspective

[00:12:30] What A 1% Rate Drop Actually Does

[00:15:30] Should You Act Now Or Wait

[00:17:10] A Real Downsizing Story And Takeaways

[00:23:40] How To Reach The Larkin Group

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