Break-Even Point - RealtyWire

Market Datavs. 1 year ago

30-year mortgage6.43%▼ -0.24 pts15-year mortgage5.79%▼ -0.01 pts10-year Treasury4.49%▲ +0.19 ptsMortgage spread1.94 pts▼ -0.43 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 starts1.18M▼ -8.7%Building permits1.41M▼ -0.4%New-home sales580k▼ -6.8%Existing-home sales4.17M▲ +3.2%Months of supply10.3▲ +0.6 moMortgage delinquency1.89%▲ +0.12 pts

as of Jul 2026

Refinance Calculator Guide: When a Lower Rate Is Actually Worth It

July 6, 2026

Refinance calculator concept with house model, refinance folder, and break-even line.

A lower mortgage rate does not always make refinancing worth it. Learn how to calculate your break-even point and compare costs.