Checked October 26, 2026. Each figure shows the period it covers.
What is happening in housing right now
| Period | Value |
|---|---|
| 2025-10-23 | 6.19% |
| 2025-10-30 | 6.17% |
| 2025-11-06 | 6.22% |
| 2025-11-13 | 6.24% |
| 2025-11-20 | 6.26% |
| 2025-11-26 | 6.23% |
| 2025-12-04 | 6.19% |
| 2025-12-11 | 6.22% |
| 2025-12-18 | 6.21% |
| 2025-12-24 | 6.18% |
| 2025-12-31 | 6.15% |
| 2026-01-08 | 6.16% |
| 2026-01-15 | 6.06% |
| 2026-01-22 | 6.09% |
| 2026-01-29 | 6.10% |
| 2026-02-05 | 6.11% |
| 2026-02-12 | 6.09% |
| 2026-02-19 | 6.01% |
| 2026-02-26 | 5.98% |
| 2026-03-05 | 6.00% |
| 2026-03-12 | 6.11% |
| 2026-03-19 | 6.22% |
| 2026-03-26 | 6.38% |
| 2026-04-02 | 6.46% |
| 2026-04-09 | 6.37% |
| 2026-04-16 | 6.30% |
| 2026-04-23 | 6.23% |
| 2026-04-30 | 6.30% |
| 2026-05-07 | 6.37% |
| 2026-05-14 | 6.36% |
| 2026-05-21 | 6.51% |
| 2026-05-28 | 6.53% |
| 2026-06-04 | 6.48% |
| 2026-06-11 | 6.52% |
| 2026-06-18 | 6.47% |
| 2026-06-25 | 6.49% |
| 2026-07-02 | 6.43% |
| 2026-07-09 | 6.49% |
| 2026-07-16 | 6.55% |
| 2026-07-23 | 6.58% |
| 2026-07-30 | 6.66% |
| 2026-08-06 | 6.69% |
| 2026-08-13 | 6.67% |
| 2026-08-20 | 6.65% |
| 2026-08-27 | 6.66% |
| 2026-09-03 | 6.71% |
| 2026-09-10 | 6.76% |
| 2026-09-17 | 6.95% |
| 2026-09-24 | 7.03% |
| 2026-10-01 | 7.28% |
| 2026-10-08 | 7.40% |
| 2026-10-15 | 7.40% |
| 2026-10-22 | 7.32% |
What the data says, September 2026
- There are 5.4% more homes for sale in the U.S. than a year ago.
- The median asking price is down 1.4% from a year ago.
- 21% of active listings have had at least one price reduction.
- The typical listing spends 61 days on the market.
Sources: Freddie Mac Primary Mortgage Market Survey, via FRED, Federal Reserve Bank of St. Louis (United States, Week of Oct 22, 2026); Realtor.com® Economic Research (United States, September 2026); FHFA House Price Index (all-transactions), via FRED, Federal Reserve Bank of St. Louis (United States, Q2 2026); U.S. Census Bureau & HUD, via FRED, Federal Reserve Bank of St. Louis (United States, Q2 2026). Listing figures are asking prices and active listings, not closed sales. National figures are not local; see your state for local data.
Mortgage rates
Mortgage calculator| Period | Value |
|---|---|
| 2024-10-24 | 6.54% |
| 2024-10-31 | 6.72% |
| 2024-11-07 | 6.79% |
| 2024-11-14 | 6.78% |
| 2024-11-21 | 6.84% |
| 2024-11-27 | 6.81% |
| 2024-12-05 | 6.69% |
| 2024-12-12 | 6.60% |
| 2024-12-19 | 6.72% |
| 2024-12-26 | 6.85% |
| 2025-01-02 | 6.91% |
| 2025-01-09 | 6.93% |
| 2025-01-16 | 7.04% |
| 2025-01-23 | 6.96% |
| 2025-01-30 | 6.95% |
| 2025-02-06 | 6.89% |
| 2025-02-13 | 6.87% |
| 2025-02-20 | 6.85% |
| 2025-02-27 | 6.76% |
| 2025-03-06 | 6.63% |
| 2025-03-13 | 6.65% |
| 2025-03-20 | 6.67% |
| 2025-03-27 | 6.65% |
| 2025-04-03 | 6.64% |
| 2025-04-10 | 6.62% |
| 2025-04-17 | 6.83% |
| 2025-04-24 | 6.81% |
| 2025-05-01 | 6.76% |
| 2025-05-08 | 6.76% |
| 2025-05-15 | 6.81% |
| 2025-05-22 | 6.86% |
| 2025-05-29 | 6.89% |
| 2025-06-05 | 6.85% |
| 2025-06-12 | 6.84% |
| 2025-06-18 | 6.81% |
| 2025-06-26 | 6.77% |
| 2025-07-03 | 6.67% |
| 2025-07-10 | 6.72% |
| 2025-07-17 | 6.75% |
| 2025-07-24 | 6.74% |
| 2025-07-31 | 6.72% |
| 2025-08-07 | 6.63% |
| 2025-08-14 | 6.58% |
| 2025-08-21 | 6.58% |
| 2025-08-28 | 6.56% |
| 2025-09-04 | 6.50% |
| 2025-09-11 | 6.35% |
| 2025-09-18 | 6.26% |
| 2025-09-25 | 6.30% |
| 2025-10-02 | 6.34% |
| 2025-10-09 | 6.30% |
| 2025-10-16 | 6.27% |
| 2025-10-23 | 6.19% |
| 2025-10-30 | 6.17% |
| 2025-11-06 | 6.22% |
| 2025-11-13 | 6.24% |
| 2025-11-20 | 6.26% |
| 2025-11-26 | 6.23% |
| 2025-12-04 | 6.19% |
| 2025-12-11 | 6.22% |
| 2025-12-18 | 6.21% |
| 2025-12-24 | 6.18% |
| 2025-12-31 | 6.15% |
| 2026-01-08 | 6.16% |
| 2026-01-15 | 6.06% |
| 2026-01-22 | 6.09% |
| 2026-01-29 | 6.10% |
| 2026-02-05 | 6.11% |
| 2026-02-12 | 6.09% |
| 2026-02-19 | 6.01% |
| 2026-02-26 | 5.98% |
| 2026-03-05 | 6.00% |
| 2026-03-12 | 6.11% |
| 2026-03-19 | 6.22% |
| 2026-03-26 | 6.38% |
| 2026-04-02 | 6.46% |
| 2026-04-09 | 6.37% |
| 2026-04-16 | 6.30% |
| 2026-04-23 | 6.23% |
| 2026-04-30 | 6.30% |
| 2026-05-07 | 6.37% |
| 2026-05-14 | 6.36% |
| 2026-05-21 | 6.51% |
| 2026-05-28 | 6.53% |
| 2026-06-04 | 6.48% |
| 2026-06-11 | 6.52% |
| 2026-06-18 | 6.47% |
| 2026-06-25 | 6.49% |
| 2026-07-02 | 6.43% |
| 2026-07-09 | 6.49% |
| 2026-07-16 | 6.55% |
| 2026-07-23 | 6.58% |
| 2026-07-30 | 6.66% |
| 2026-08-06 | 6.69% |
| 2026-08-13 | 6.67% |
| 2026-08-20 | 6.65% |
| 2026-08-27 | 6.66% |
| 2026-09-03 | 6.71% |
| 2026-09-10 | 6.76% |
| 2026-09-17 | 6.95% |
| 2026-09-24 | 7.03% |
| 2026-10-01 | 7.28% |
| 2026-10-08 | 7.40% |
| 2026-10-15 | 7.40% |
| 2026-10-22 | 7.32% |
15-year fixed, past two years
| Period | Value |
|---|---|
| 2024-10-24 | 5.71% |
| 2024-10-31 | 5.99% |
| 2024-11-07 | 6.00% |
| 2024-11-14 | 5.99% |
| 2024-11-21 | 6.02% |
| 2024-11-27 | 6.10% |
| 2024-12-05 | 5.96% |
| 2024-12-12 | 5.84% |
| 2024-12-19 | 5.92% |
| 2024-12-26 | 6.00% |
| 2025-01-02 | 6.13% |
| 2025-01-09 | 6.14% |
| 2025-01-16 | 6.27% |
| 2025-01-23 | 6.16% |
| 2025-01-30 | 6.12% |
| 2025-02-06 | 6.05% |
| 2025-02-13 | 6.09% |
| 2025-02-20 | 6.04% |
| 2025-02-27 | 5.94% |
| 2025-03-06 | 5.79% |
| 2025-03-13 | 5.80% |
| 2025-03-20 | 5.83% |
| 2025-03-27 | 5.89% |
| 2025-04-03 | 5.82% |
| 2025-04-10 | 5.82% |
| 2025-04-17 | 6.03% |
| 2025-04-24 | 5.94% |
| 2025-05-01 | 5.92% |
| 2025-05-08 | 5.89% |
| 2025-05-15 | 5.92% |
| 2025-05-22 | 6.01% |
| 2025-05-29 | 6.03% |
| 2025-06-05 | 5.99% |
| 2025-06-12 | 5.97% |
| 2025-06-18 | 5.96% |
| 2025-06-26 | 5.89% |
| 2025-07-03 | 5.80% |
| 2025-07-10 | 5.86% |
| 2025-07-17 | 5.92% |
| 2025-07-24 | 5.87% |
| 2025-07-31 | 5.85% |
| 2025-08-07 | 5.75% |
| 2025-08-14 | 5.71% |
| 2025-08-21 | 5.69% |
| 2025-08-28 | 5.69% |
| 2025-09-04 | 5.60% |
| 2025-09-11 | 5.50% |
| 2025-09-18 | 5.41% |
| 2025-09-25 | 5.49% |
| 2025-10-02 | 5.55% |
| 2025-10-09 | 5.53% |
| 2025-10-16 | 5.52% |
| 2025-10-23 | 5.44% |
| 2025-10-30 | 5.41% |
| 2025-11-06 | 5.50% |
| 2025-11-13 | 5.49% |
| 2025-11-20 | 5.54% |
| 2025-11-26 | 5.51% |
| 2025-12-04 | 5.44% |
| 2025-12-11 | 5.54% |
| 2025-12-18 | 5.47% |
| 2025-12-24 | 5.50% |
| 2025-12-31 | 5.44% |
| 2026-01-08 | 5.46% |
| 2026-01-15 | 5.38% |
| 2026-01-22 | 5.44% |
| 2026-01-29 | 5.49% |
| 2026-02-05 | 5.50% |
| 2026-02-12 | 5.44% |
| 2026-02-19 | 5.35% |
| 2026-02-26 | 5.44% |
| 2026-03-05 | 5.43% |
| 2026-03-12 | 5.50% |
| 2026-03-19 | 5.54% |
| 2026-03-26 | 5.75% |
| 2026-04-02 | 5.77% |
| 2026-04-09 | 5.74% |
| 2026-04-16 | 5.65% |
| 2026-04-23 | 5.58% |
| 2026-04-30 | 5.64% |
| 2026-05-07 | 5.72% |
| 2026-05-14 | 5.71% |
| 2026-05-21 | 5.85% |
| 2026-05-28 | 5.87% |
| 2026-06-04 | 5.79% |
| 2026-06-11 | 5.84% |
| 2026-06-18 | 5.81% |
| 2026-06-25 | 5.84% |
| 2026-07-02 | 5.79% |
| 2026-07-09 | 5.82% |
| 2026-07-16 | 5.93% |
| 2026-07-23 | 5.96% |
| 2026-07-30 | 6.04% |
| 2026-08-06 | 6.01% |
| 2026-08-13 | 5.96% |
| 2026-08-20 | 5.95% |
| 2026-08-27 | 5.98% |
| 2026-09-03 | 6.04% |
| 2026-09-10 | 6.09% |
| 2026-09-17 | 6.26% |
| 2026-09-24 | 6.42% |
| 2026-10-01 | 6.60% |
| 2026-10-08 | 6.73% |
| 2026-10-15 | 6.71% |
| 2026-10-22 | 6.68% |
What this rate is
Freddie Mac’s Primary Mortgage Market Survey (PMMS) is a weekly national average of rates offered to borrowers with strong credit who put 20% down on a conventional, conforming loan. Your own rate depends on your credit, down payment, loan type, points and lender, and can be higher or lower.
Freddie Mac publishes on Thursdays. The chart shows each week as published.
Source: Freddie Mac Primary Mortgage Market Survey, via FRED, Federal Reserve Bank of St. Louis (United States, Week of Oct 22, 2026).
The listing market, nationally
Asking prices and the number of homes for sale across the United States, month by month. These describe listings, not closed sales.
Median listing price
| Period | Value |
|---|---|
| 2024-09-01 | $425K |
| 2024-10-01 | $423K |
| 2024-11-01 | $417K |
| 2024-12-01 | $403K |
| 2025-01-01 | $401K |
| 2025-02-01 | $412K |
| 2025-03-01 | $425K |
| 2025-04-01 | $431K |
| 2025-05-01 | $440K |
| 2025-06-01 | $441K |
| 2025-07-01 | $439K |
| 2025-08-01 | $430K |
| 2025-09-01 | $425K |
| 2025-10-01 | $424K |
| 2025-11-01 | $415K |
| 2025-12-01 | $400K |
| 2026-01-01 | $400K |
| 2026-02-01 | $404K |
| 2026-03-01 | $416K |
| 2026-04-01 | $425K |
| 2026-05-01 | $430K |
| 2026-06-01 | $430K |
| 2026-07-01 | $429K |
| 2026-08-01 | $425K |
| 2026-09-01 | $419K |
Active listings (homes for sale)
| Period | Value |
|---|---|
| 2024-09-01 | 0.94M |
| 2024-10-01 | 0.96M |
| 2024-11-01 | 0.95M |
| 2024-12-01 | 0.87M |
| 2025-01-01 | 0.83M |
| 2025-02-01 | 0.85M |
| 2025-03-01 | 0.89M |
| 2025-04-01 | 0.96M |
| 2025-05-01 | 1.04M |
| 2025-06-01 | 1.08M |
| 2025-07-01 | 1.10M |
| 2025-08-01 | 1.10M |
| 2025-09-01 | 1.10M |
| 2025-10-01 | 1.10M |
| 2025-11-01 | 1.07M |
| 2025-12-01 | 0.98M |
| 2026-01-01 | 0.91M |
| 2026-02-01 | 0.92M |
| 2026-03-01 | 0.95M |
| 2026-04-01 | 1.00M |
| 2026-05-01 | 1.06M |
| 2026-06-01 | 1.10M |
| 2026-07-01 | 1.13M |
| 2026-08-01 | 1.14M |
| 2026-09-01 | 1.16M |
Listing counts rise in spring and fall in winter every year, so compare a month with the same month a year earlier rather than with last month.
Source: Realtor.com® Economic Research (United States, September 2026).
Asking prices vs. what homes sell for
Listing prices (Realtor.com) are what sellers are asking this month. They move first, and they include homes that will later be cut or withdrawn.
The FHFA House Price Index tracks repeat sales and appraisals of the same homes, so it measures price change for comparable houses rather than the mix of what happened to sell. It is published quarterly, about two months after each quarter ends.
The Census/HUD median sale price covers new and existing homes sold in a quarter. A shift toward smaller or cheaper homes can lower the median even when individual homes gain value.
Because of these lags, quarterly figures describe an earlier period than the monthly listing data above; each shows its own period.
Every state, side by side
Compare two statesAsking price vs. a year ago, September 2026. Select a state for its full profile.
Each state below links to its own page with two years of history, the FHFA price index for that state and an affordability illustration.
State figures describe the whole state. Conditions in a single city or ZIP code can differ a lot.
| Alabama | $325,000 | −1.5% | +8.5% | 71 | 19.1% |
|---|---|---|---|---|---|
| Alaska | $435,000 | −2.3% | +11.6% | 59 | 20.8% |
| Arizona | $459,900 | −3.5% | +6.7% | 65 | 26.7% |
| Arkansas | $318,743 | +4.5% | +12.2% | 68 | 19.8% |
| California | $725,000 | −3.1% | +0.6% | 55 | 18.6% |
| Colorado | $564,000 | −3.9% | +9.8% | 67 | 27.2% |
| Connecticut | $522,500 | −0.5% | +11.5% | 41 | 13.8% |
| Delaware | $484,998 | −0.1% | +13.7% | 60 | 19.0% |
| Florida | $409,950 | −3.5% | −9.6% | 81 | 20.1% |
| Georgia | $389,750 | −1.3% | +9.3% | 66 | 22.1% |
| Hawaii | $732,450 | −2.3% | +9.6% | 88 | 13.9% |
| Idaho | $593,000 | +1.4% | −5.5% | 61 | 19.1% |
| Illinois | $324,950 | +2.7% | +0.2% | 39 | 16.9% |
| Indiana | $299,000 | −0.1% | +13.2% | 52 | 26.7% |
| Iowa | $284,900 | +2.1% | +3.7% | 59 | 19.9% |
| Kansas | $296,000 | +0.4% | +0.9% | 54 | 17.4% |
| Kentucky | $307,775 | −0.7% | +14.8% | 55 | 22.6% |
| Louisiana | $270,000 | −3.0% | −4.4% | 78 | 19.4% |
| Maine | $450,000 | −3.6% | +21.8% | 61 | 23.5% |
| Maryland | $425,000 | −4.0% | +17.1% | 47 | 21.2% |
| Massachusetts | $714,250 | −5.2% | +18.1% | 45 | 17.2% |
| Michigan | $299,900 | 0.0% | +15.8% | 47 | 21.7% |
| Minnesota | $379,900 | −2.3% | +30.0% | 47 | 22.1% |
| Mississippi | $292,250 | −1.4% | +7.4% | 75 | 19.0% |
| Missouri | $300,000 | −0.8% | +7.2% | 57 | 20.5% |
| Montana | $635,000 | −0.3% | −3.9% | 75 | 17.3% |
| Nebraska | $335,000 | −2.5% | +5.6% | 47 | 14.0% |
| Nevada | $480,000 | −3.3% | +2.2% | 58 | 24.4% |
| New Hampshire | $590,000 | −0.4% | +4.7% | 59 | 17.9% |
| New Jersey | $559,500 | +0.4% | +17.5% | 45 | 13.0% |
| New Mexico | $399,475 | −0.1% | +7.7% | 80 | 21.5% |
| New York | $605,000 | −6.8% | +4.8% | 61 | 11.2% |
| North Carolina | $400,000 | −4.6% | +11.9% | 69 | 23.1% |
| North Dakota | $370,700 | +1.7% | +0.8% | 57 | 18.9% |
| Ohio | $284,000 | −0.9% | +14.3% | 45 | 23.2% |
| Oklahoma | $296,643 | −0.9% | +7.1% | 65 | 21.1% |
| Oregon | $550,000 | −3.3% | +6.9% | 72 | 28.2% |
| Pennsylvania | $309,000 | −3.4% | +11.6% | 51 | 19.3% |
| Rhode Island | $569,900 | −2.5% | +16.9% | 38 | 12.0% |
| South Carolina | $359,945 | −2.3% | +9.4% | 68 | 23.9% |
| South Dakota | $375,000 | +0.4% | +0.4% | 58 | 17.6% |
| Tennessee | $429,450 | −0.1% | +9.0% | 68 | 23.8% |
| Texas | $355,765 | −2.5% | +0.9% | 66 | 22.6% |
| Utah | $579,000 | −1.9% | +9.1% | 67 | 26.5% |
| Vermont | $499,450 | −1.0% | +8.4% | 74 | 16.6% |
| Virginia | $455,953 | +1.3% | +21.8% | 47 | 21.0% |
| Washington | $639,475 | −1.5% | +19.9% | 58 | 24.4% |
| West Virginia | $259,997 | −0.8% | +3.4% | 58 | 16.7% |
| Wisconsin | $389,900 | −0.6% | +20.3% | 45 | 18.7% |
| Wyoming | $496,500 | +5.1% | −8.7% | 66 | 16.6% |
50 rows. “—” means the source did not publish a value. Sorting orders a column; it is not a ranking.
Source: Realtor.com® Economic Research (50 states and D.C., September 2026).
Market analysis
All news & analysis
The Affordability Illusion
Home prices are falling in dozens of metros. Sellers are cutting. So why does buying a home still feel impossible?
The Home Inspection Trap
During the 2021–22 frenzy, waiving the inspection became almost standard practice. The market has cooled. The habit hasn't. And buyers are still paying for it — sometimes quite literally.
Mortgage Rates Just Hit a 3-Year Low. Here's What That Means for Buyers.
The 30-year fixed mortgage rate just fell to 6.11% — its lowest level since late 2022. Here's what the data actually means for buyers weighing whether to move now or keep waiting.
2026 Housing Market Outlook: Inventory Rises, Rates Stay Stubborn
After years of near-zero inventory, listings are finally rising across major metros. But with mortgage rates holding above 6.5%, the relief may be slower than buyers hope.
Rate Buydowns Explained: Is Paying Points Worth It in 2026?
Paying discount points to lower your mortgage rate sounds smart — but the math only works if you stay in the home long enough. Here's how to calculate your break-even.
ARM vs. Fixed Rate in 2026: Which Is Right for You?
With 30-year rates above 6.5%, adjustable-rate mortgages are gaining attention. A 5/1 ARM at 5.9% sounds appealing — until you understand the resets.
Sources and methodology
- Mortgage rates: Freddie Mac Primary Mortgage Market Survey, weekly, via FRED (Federal Reserve Bank of St. Louis).
- Listings, asking prices, days on market, price cuts: Realtor.com® Economic Research monthly inventory data, latest month September 2026. Rows Realtor.com flags for data quality are not shown.
- Home price index: FHFA all-transactions House Price Index, quarterly, via FRED. The 12-month change compares a quarter with the same quarter a year earlier.
- Median sale price: U.S. Census Bureau and HUD, quarterly, via FRED.
- We refresh this page at least hourly and show each source’s own reporting period. If a source has not published a value, we leave it out rather than estimate it. A value older than its normal publishing schedule is marked “Latest published.”