Questions / Selling · Leer en español
Should I sell my house if I have a low mortgage rate?
It depends on what the move is worth to you, not on the rate alone. In spring 2026, about one in three sellers working with Coldwell Banker agents were giving up a rate under 5% to sell, most often because of a change in their life.
Updated
What other homeowners are doing
| Finding (spring 2026, survey of 727 agents) | Share |
|---|---|
| Sellers with a rate under 5% who still planned to sell | 35% |
| Agents who say the low-rate "lock-in" is a major or moderate factor | 61% |
| Agents whose clients are listing because of life circumstances | 36% |
| Agents who say buyers are shopping now rather than waiting for rates | 80% |
How to decide
Compare two numbers side by side: what staying costs you (commute, space, family needs, repairs) and what moving costs you (your new monthly payment at today's rates, plus selling costs). The rate matters, but it is one line in that comparison.
A lower-risk way to find out
You do not have to list publicly to learn what buyers would pay. With Chimpre, your agent can introduce your home privately to agents whose active buyers are looking for a home like yours. If the interest makes the move worth it, you go forward. If not, nothing was ever public.
See who is looking for a home like yours
Chimpre introduces your home to agents whose active buyers are searching for a home like yours, in your area, at your price, with the space they need. Your agent shows you who is interested before anything goes public.
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