Savannah Housing Market Update – Week of November 23, 2025

Savannah Housing Market Update – Week

of November 23, 2025

As we head into Thanksgiving week, the Savannah real estate market continues to show a

steady, balanced shift. Inventory is rising, buyer activity remains consistent, and closings

increased — all signs of a healthy market heading toward the end of 2025.

Below is your full breakdown of the latest numbers and what they mean for buyers and sellers in

Savannah.

�� Market Snapshot (Nov 9 → Nov 23, 2025)

Active Listings

● Nov 9: 78

● Nov 16: 89

● Nov 23: 88

Inventory climbed through mid-month and is holding strong heading into late November.

Active Contingent

● Nov 9: 57

● Nov 16: 50

● Nov 23: 57

Contingent homes bounced back, showing consistent buyer engagement.

Under Contract

● Nov 9: 27

● Nov 16: 25

● Nov 23: 21

A slight decline, indicating fewer contracts being written as holidays approach.

Total Under Contract + Contingent

● Nov 9: 84

● Nov 16: 75

● Nov 23: 78

Activity dipped mid-month, but picked back up — showing stable demand.

Homes Sold

● Nov 9: 67

● Nov 16: 66

● Nov 23: 76

A strong increase in closings as many buyers pushed to finalize before the holiday

slowdown.

Withdrawn Listings

● Nov 9: 34

● Nov 16: 19

● Nov 23: 25

Some sellers stepped back this week, but overall withdrawals remain low.

Total Listings (All Statuses Across Savannah)

● Nov 9: 1,528

● Nov 16: 1,546

● Nov 23: 1,555

Total inventory continues to climb, offering more options for buyers.

�� What This Means for Savannah’s Market

The overall trend remains balanced and steady.

Here’s the breakdown:

More Options for Buyers

Inventory is rising and contingencies are strong, giving buyers more homes to choose from

without the intense competition earlier in the year.

Sellers Still in a Good Position

Homes are still selling — and selling well. A jump from 66 to 76 closings highlights solid demand

heading into the holiday season.

Seasonal Slowdown Setting In

Fewer new contracts week-to-week means buyers are being more intentional, and some sellers

may be waiting until January to relaunch listings.

Balanced Market = Opportunity

This is one of the rare times when both sides — buyers and sellers — benefit from stable,

predictable conditions.

�� Insight from Jeb Stewart

“We’re seeing a smooth, stable transition into the holiday season. Inventory is up, closings are

strong, and the market remains healthy. It’s a great time to plan your next move heading into

2026.”

— Jeb Stewart, Broker | The Stewart Team

Mortgage Loan Officer | Elite Synergy Mortgage

⭐ What You Should Do Next

If You’re a Buyer:

● More inventory = better choices

● Competition is easing

● Great time to get pre-approved and shop smart

If You’re a Seller:

● Buyers are still active

● Homes are closing at a strong rate

● Pricing and presentation matter more than ever

�� Ready to Plan Your Next Move?

If you’re thinking about buying, selling, or refinancing, now is the perfect time to build your

strategy before 2026 arrives.

Contact Jeb Stewart, your Savannah real estate and mortgage expert:

� Call/Text: 478-284-4186

� Broker: The Stewart Team

� Mortgage Loan Officer: Elite Synergy Mortgage

� Website: www.TheStewartTeamSavannah.com

#SavannahRealEstate #SavannahHousingMarket #SavannahGAHomes #GeorgiaRealEstate

#MarketUpdate2025 #TheStewartTeam #EliteSynergyMortgage #HomeBuyingTips

#RealEstateBlog #SavannahHomesForSale

Mortgage Myth Buster: Do Student Loans Automatically Disqualify You? -By Jeb Stewart, Mortgage Loan Officer — Elite Synergy Mortgage

If you’ve been putting off buying a home because of student loans, you’re not alone. Many

potential buyers believe that having student debt automatically disqualifies them from getting a

mortgage. The truth? That’s one of the biggest myths in home financing — and it’s holding too

many people back from becoming homeowners.

The Truth About Student Loans and Mortgages

Having student loans doesn’t automatically mean you can’t qualify for a home loan. Mortgage

lenders look at your overall financial picture, not just whether you have student debt. The

most important factor is your debt-to-income ratio (DTI) — the balance between your monthly

debt payments and your income.

If your DTI is within an acceptable range (typically under 45–50%, depending on the loan

program), you can still qualify for a mortgage — even with student loans.

What If Your Loans Are in Deferment or Income-Based Repayment?

Great news: You still have options.

Most loan programs — including FHA, VA, and Conventional — allow lenders to use your

income-based repayment amount or a calculated percentage of your loan balance to

determine your DTI. That means even if your payments are temporarily reduced or deferred, it

doesn’t automatically take you out of the running for a mortgage.

Strategies to Improve Your Approval Odds

If your student loans are making your DTI a little too high, here are a few ways to strengthen

your application:

● Adjust your repayment plan: Explore income-driven repayment options that lower your

monthly payment.

● Pay down smaller debts: Reducing credit card or auto loan balances can improve your

DTI quickly.

● Work with a knowledgeable loan officer: Every situation is different, and the right

strategy can make a big difference.

The Bottom Line

Student loans don’t have to stand between you and homeownership. With the right planning and

loan program, you can absolutely buy a home while paying off your education debt.

Don’t let myths or fear stop you from exploring your options. The key is understanding your

numbers and working with someone who knows how to make the numbers work for you.

Ready to See What’s Possible?

I’m Jeb Stewart, Mortgage Loan Officer with Elite Synergy Mortgage, and I help homebuyers

across Savannah and surrounding areas find the right path to homeownership — even with

student loans.

Let’s look at your numbers and see how close you are to buying your first home.

Renting VS Buying : What you need to know

Renting vs Buying a Home: What You Need to Know

Deciding whether to rent or buy a home is one of the biggest financial choices you’ll make.

While renting may feel easier upfront, buying a home can provide long-term financial benefits,

stability, and the chance to build wealth. Let’s explore the key factors to help you make the right

decision.

Why Renting Might Be Right for You

Renting is simple and flexible. Monthly rent payments are predictable, and you’re not

responsible for maintenance, property taxes, or repairs. Renting is ideal if you plan to move in a

few years, need flexibility, or want to avoid large upfront costs like a down payment.

Why Buying Can Be a Better Investment

Buying a home is more than just a place to live—it’s a financial investment. Your mortgage

payments build equity over time, and unlike rent, your money goes toward an asset you own.

Homeownership also offers potential tax benefits, long-term price stability with fixed-rate

mortgages, and the freedom to customize your space.

Financial Comparison: Renting vs Buying

● Monthly Costs: Rent may be cheaper initially, but rent prices tend to rise over time. A

fixed-rate mortgage can provide predictable payments.

● Equity Growth: Homeowners build wealth as their home value appreciates and

mortgage principal is paid down. Renters gain no equity.

● Long-Term Savings: Owning a home can be more cost-effective over the long run

when factoring in equity growth and tax benefits.

Other Things to Consider

● Lifestyle: Do you want flexibility or stability?

● Job & Income: Can you comfortably afford mortgage payments and homeownership

costs?

● Local Market: Housing costs vary by area—Savannah’s market may offer different

opportunities than other cities.

The Bottom Line

Renting may seem cheaper now, but buying a home can provide financial security, equity

growth, and a sense of stability. If you’re thinking about buying, it’s important to run the numbers

and see if homeownership could save you money compared to renting.

Work With a Mortgage Expert

Jeb Stewart, Mortgage Loan Officer with Elite Synergy Mortgage, helps clients in Savannah

and surrounding areas navigate the home buying process. From first-time buyers to seasoned

homeowners, Jeb provides personalized advice to help you make the smartest financial

decision.

Ready to see if buying a home is right for you? Contact Jeb Stewart today for a free

consultation.

SEO Keywords/Hashtags:

#RentVsBuy #HomeBuyingTips #SavannahRealEstate #MortgageTuesdays

#FirstTimeHomeBuyer #BuildWealth #HomeOwnership #SavannahHomes

Savannah Housing Market Week November 2, 2025

The latest housing numbers are in for Savannah, Georgia — and while the market remains

steady overall, some subtle shifts are worth noting for both buyers and sellers as we move

deeper into the fall season.

�� Week-over-Week Market Snapshot

● Active Listings: 86 (up slightly from 83 the previous week)

● Active Contingent: 47 (down from 67)

● Under Contract: 31 (up from 22)

● Total Under Contract/Active Contingent: 78 (down from 89)

● Homes Sold: 95 (up from 74)

● Withdrawn Listings: 46 (up sharply from 20)

● Total Listings: 1,536 (virtually unchanged from 1,537)

�� What the Numbers Tell Us

The Savannah market continues to show signs of balance, with active listings rising slightly

while total listings remain stable. The increase in homes sold — from 74 to 95 — suggests that

buyers are still out there and making moves, even as we head into the traditionally slower fall

months.

However, the drop in active contingent listings and rise in withdrawn properties points to a bit of

hesitation among sellers. Some may be adjusting expectations or pulling listings in preparation

for the holidays, while others could be waiting for stronger buyer demand or improved interest

rate conditions.

Overall, it’s a market that rewards strategy — not panic. Sellers who price correctly and present

their homes well are still seeing movement, while buyers who stay engaged have more

opportunities as inventory holds steady.

�� Insight from the Field

"We’re seeing steady activity across the Savannah area, with serious buyers still making offers

and closings staying strong," says Jeb Stewart, Broker of The Stewart Team and Mortgage

Loan Officer with Elite Synergy Mortgage. "Even though we’re heading into the end of the year,

the market remains healthy — it’s all about preparation and having the right guidance."

�� What This Means for You

● If you’re a buyer: More homes are hitting the market, and with fewer active contingents,

your chances of getting under contract may improve.

● If you’re a seller: Strong demand is still there — but pricing and presentation are key.

Consider reviewing your listing strategy if your home has been sitting for a while.

�� Ready to Talk Strategy?

Whether you’re looking to buy, sell, or refinance, staying ahead of market shifts is crucial.

Reach out today to discuss your next move with Jeb Stewart, Broker with The Stewart Team

and Mortgage Loan Officer with Elite Synergy Mortgage.

� Call or Text: 478-284-4186

� Email: jebcoachstewart@thestewartteamsavannah.com

� Visit: www.TheStewartTeamSavannah.com

#SavannahRealEstate #SavannahHousingMarket #TheStewartTeam

#EliteSynergyMortgage #SavannahGAHomes #GeorgiaRealEstate #MarketUpdate2025

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