Is Now a Good Time to Build a Home in Sturtevant? What 2025 Interest Rates Mean for New Construction

Interest Rates in 2025: What to Expect and Why It Matters

Forecasting Mortgage Rates for 2025

Current projections from housing economists and financial experts suggest interest rates could remain moderately high into early 2025 but may begin to drop gradually as inflation continues to stabilize. Economists predict that rates could hover around 6-7% before potentially trending downward in late 2025. This signals a key decision point for potential homeowners and Racine home builders alike—it could be wise to lock in current rates before they begin to rise again or wait for rates to fall further if you’re not in a rush.

However, waiting might not always be the most cost-effective solution. Building a custom home can take anywhere from six months to over a year, depending on the size, complexity, and personal preferences. Starting now could mean finishing your home just as interest rates start easing—which could lead to better refinancing opportunities down the line.

How Interest Rates Impact Construction Loans

Interest rates don’t just affect your final mortgage—they directly impact your construction loan if you’re building from the ground up. Higher interest rates can increase monthly payments on construction loans, potentially raising the overall cost of your home project. That’s why many Racine home builders, including Joseph Scott Homes, recommend starting with a flexible builder who can help you plan with today’s rates while preparing for future changes.

Getting locked into a fixed-rate construction loan may allow you to better manage your budget amid rate changes. Joseph Scott Homes helps clients explore all financing options, offering insights and referrals that make navigating construction financing smoother and less stressful.

Is Now a Financially Smart Time to Build in Sturtevant?

Rising Material and Labor Costs

Another factor to consider is the cost of materials and labor. The last few years have seen significant price hikes in building materials due to supply chain disruptions and increased demand. Though prices are beginning to stabilize, it’s uncertain how long that trend will last. Building now allows you to secure prices before potential increases in 2025. Racine home builders like Joseph Scott Homes have longstanding relationships with suppliers, which can provide cost advantages and more stable pricing for clients.

Some key material trends to watch include: – Lumber and framing timber, which remains sensitive to demand surges – Concrete and steel pricing, which is influenced by fuel and transportation costs – Skilled labor shortages, driving up wages and project timelines – Appliance and fixture delivery times, which can delay building schedules

By starting earlier, clients minimize the impact of possible future delays and price jumps, and Joseph Scott Homes ensures proactive ordering and scheduling, so timelines remain efficient and costs are controlled.

Limited Lot Availability

As more people discover the charm and convenience of Sturtevant, lots are becoming scarce. Waiting too long could mean missing out on your dream location. Joseph Scott Homes aids clients in lot selection and analysis, helping to identify the best available properties in the area before they disappear from the market.

By choosing to act now, homeowners can secure land in high-demand areas before scarcity drives up prices. This makes early 2025 a strategic time to begin construction, especially with the professional guidance of seasoned Racine home builders.

Benefits of Choosing Custom Home Construction in 2025

Tailoring Your Home to Your Lifestyle

One of the biggest advantages of building a new home is the ability to personalize every detail. From open-concept living areas to home offices, energy-efficient features, and smart home integrations—the options are endless. Custom homebuilders like Joseph Scott Homes bring decades of experience, helping clients design homes that truly reflect their lifestyle and needs.

Unlike purchasing a pre-owned home, which may come with hidden repairs or compromise features, custom construction ensures you get exactly what you want from the start. Plus, new homes often require less maintenance and come with builder warranties, offering peace of mind for years to come.

Energy Efficiency for Long-Term Savings

Energy efficiency is no longer just a bonus feature—it’s a necessity. New homes built in 2025 will need to meet updated energy codes, which translate to lower utility bills and a reduced carbon footprint. Joseph Scott Homes specializes in creating energy-efficient homes using high-quality materials and sustainable building practices. This not only helps protect the environment but also adds long-term value to your investment.

Incorporating energy-saving insulation, LED lighting, modern HVAC systems, and Energy Star-rated appliances is standard practice for a company like Joseph Scott Homes. These upgrades mean better performance, lower operating costs, and greater overall satisfaction with your home.

Technology Integrations and Modern Living

Building in 2025 also means you can more easily incorporate the latest smart home technologies. Features like voice-activated lighting, smart thermostats, integrated security systems, and whole-home Wi-Fi are becoming standard in today’s custom designs. Joseph Scott Homes partners with leading tech providers to offer advanced smart features that align with modern lifestyles, increasing both comfort and convenience for homeowners.

Sturtevant: A Community on the Rise

Location Benefits of Sturtevant

Sturtevant offers small-town appeal with big-city convenience. Its proximity to I-94 makes commuting to Milwaukee or Chicago a breeze, and residents enjoy access to growing amenities, green spaces, and quality schools. Racine home builders recognize the future potential of Sturtevant, making it a smart investment for those looking to build now and benefit from future growth.

As infrastructure improves and businesses expand, land values are likely to increase. Homeowners who build today can capitalize on the expected appreciation, making it a financially wise choice in addition to a personal one.

Strong Community Ties and Local Support

One of the most appealing aspects of building in Sturtevant is the community spirit. Local events, farmer’s markets, and public gatherings foster a family-friendly environment. Joseph Scott Homes understands the value of community and works with local vendors, subcontractors, and suppliers to support the area’s economic growth.

Being locally based in Mount Pleasant, the Joseph Scott Homes team brings dedicated regional knowledge and personal investment to every project in Sturtevant and beyond. This local expertise ensures you’re not just building a house—you’re becoming part of a growing and connected community.

Why Partner With Joseph Scott Homes?

Over 40 Years of Trusted Experience

Choosing the right builder is just as important as choosing the right time to build. Joseph Scott Homes has more than four decades of experience in constructing top-quality homes in Racine, Kenosha, Milwaukee, Waukesha, and Walworth counties. Co-founders James Joseph Fuchs and Michael Scott Lawrence remain hands-on with every project, ensuring consistency and personal attention throughout the homebuilding process.

Comprehensive Building and Real Estate Services

Beyond design and construction, Joseph Scott Homes offers complete real estate services, simplifying your search for the perfect lot. They provide lot locating, land analysis, and can even help navigate zoning regulations, ensuring a smooth journey from concept to closure.

Their focus on open communication and customer satisfaction means you’re never left guessing. From the first consultation to handing over the keys, Joseph Scott Homes is dedicated to making every step easy, transparent, and fulfilling.

Committed to Craftsmanship and Quality

What sets Joseph Scott Homes apart from other Racine home builders is their unwavering commitment to excellence. Each home is built to last, with a focus on craftsmanship, structural integrity, and personalization. Whether your style is traditional, modern, or somewhere in between, they bring your ideas to life using trusted processes, premium materials, and expert tradespeople.

Customer-Centered Philosophy

At the heart of Joseph Scott Homes is a commitment to putting the customer first. They understand that building a home is one of life’s biggest investments and they approach every project with that in mind. Their team is responsive, attentive, and proactive—making sure every client feels heard and valued throughout the process.

Through frequent updates, on-site walk-throughs, and detailed planning meetings, Joseph Scott Homes ensures strong client-builder collaboration. This customer-centered approach has earned them a reputation as one of the most trusted Racine home builders.

Conclusion: 2025 Could Be the Perfect Time to Build

While interest rates are a valid concern, delaying your homebuilding project may not guarantee better conditions. With lot availability tightening in Sturtevant, material prices potentially rising, and strong long-term value in custom home building, getting started early in 2025 could be a wise move.

Working with established Racine home builders like Joseph Scott Homes allows you to make informed decisions based on market trends and professional guidance. Their expert team is ready to help you design and build the custom home you’ve always dreamed of—in a community that’s growing every day.

If you’re considering building a home in Sturtevant, don’t wait for the “perfect” time—work with Joseph Scott Homes to make the right time now.