This fit well around my natural waist, so if you want it to sit lower, probably size up.  I don't like how the Velcro catches on things and it's kind of scratchy.  The skirt is well made, and dries quickly.  I bought it to wear on a cruise/beach vacation.  If I hadn't had the vacation planned, I wouldn't have gotten it.  I feel like it's too costly for what it is.