Affordability - RealtyWire

Market Datavs. 1 year ago

30-year mortgage6.55%▼ -0.20 pts15-year mortgage5.93%▲ +0.01 pts10-year Treasury4.55%▲ +0.08 ptsMortgage spread2.00 pts▼ -0.28 ptsMedian list price$430k▼ -2.5%List $/sqft$228▼ -2.1%Days on market53 +0 daysActive listings1.1M▲ +1.9%New listings463k▲ +2.4%Pending sales506k▲ +4.9%Housing starts1.43M▲ +3.5%Building permits1.37M▼ -2.3%New-home sales580k▼ -6.8%Existing-home sales4.09M▲ +2.8%Months of supply10.3▲ +0.6 moMortgage delinquency1.89%▲ +0.12 pts

as of Jul 2026

Real Home Prices Fall for an 11th Straight Month

July 20, 2026

Case-Shiller shows prices up 0.8% in a year when inflation ran 3.8% — meaning inflation-adjusted U.S. home values fell for an 11th straight month.

Mortgage Rates Today: Why 30-Year Rates Are Still Above 6% and What the Fed Means for Homebuyers

July 20, 2026June 25, 2026

Mortgage rate and Federal Reserve concept with home model and financial papers.

Mortgage rates remain above 6%. Here’s why the Fed does not directly set mortgage rates and what buyers should watch in 2026.

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