It’s official — at 2:00 p.m. EST today, the FOMC announced the widely anticipated 0.25% (25 basis point) rate cut, bringing the federal funds rate to 4.25%–4.50%.

Within minutes, the bond market rallied, mortgage-backed securities surged, and my lender partners began updating live rate sheets with drops of 0.10–0.15% right away. This clean quarter-point cut is the catalyst Central Indiana has been waiting for.

As a 20+ year veteran broker specializing in luxury residential and commercial real estate across Carmel, Fishers, Geist, Zionsville, Westfield, Brownsburg, Avon, and downtown Indianapolis, I’m already fielding calls from clients ready to pounce.

Here’s the no-fluff breakdown of what this 0.25% move means for you—whether you’re a first-time buyer, move-up seller, or investor eyeing multifamily along the I-65 corridor.

The Immediate Math: How This Quarter-Point Boosts Your Power

Historically, every 0.25% Fed cut ripples through to mortgage rates with a 0.15–0.30% decline within 7–14 days. Today’s action is no exception.

• Indy Metro Median Home Price: $320,000
• 30-Year Fixed Rate (Pre-Cut): ~6.65%
• Expected Post-Cut Rate: 6.35%–6.50% by mid-January
• Savings on $350k Loan (6.65% → 6.40%): $145/month or $1,740/year
• Added Buying Power ($100k Household): +$25,000–$35,000

Bottom line: This quarter-point didn’t just lower payments—it just made $25k–$35k more home attainable for thousands of Hoosier families overnight.

Hottest Neighborhoods Reacting to Today’s Cut

My team’s showing calendar is filling up fast—up 30–50% already this week—in these high-demand Indy areas:

• Carmel & Westfield: New construction booms, from Meridian-Kessler vibes to West Carmel estates
• Geist & Oaklandon: Waterfront gems and near-waterfront steals with top schools
• Zionsville: Village charm meets estate luxury—perfect for move-ups
• Brownsburg/Avon/Plainfield: Best value per sq ft + commuter-friendly
• Whitestown & Lebanon: Indiana’s rocket-fuel appreciating suburbs

Statewide inventory? Now at a healthier 3.8 months. But the best properties? Still pending in under 14 days when marketed right.

My Step-by-Step Advice for Buyers & Sellers Post-Cut

For Buyers:

1. Secure a full underwritten pre-approval today—rates are dropping daily, and lenders are booking up.
2. Inquire about 2-1 or 3-2-1 buydowns; builders and sellers are covering these to close deals fast.
3. Pounce on listings sitting 30+ days—today’s 0.25% made those owners extra motivated.

For Sellers:

1. January–February is the upgraded “spring market” now—low comp + eager buyers = multiples again.
2. Invest in cinematic drone tours and twilight shoots (my specialty)—they slash days on market to under 10.
3. Price smart: Buyers’ new $25k–$35k power means you can aim higher without scaring them off.

People Also Ask – Real Answers After the Announcement