Buyer 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

Should Sellers Offer a Rate Buydown to Attract Buyers?

July 16, 2026June 26, 2026

Seller rate buydown concept with house model, mortgage folder, and calculator.

A seller rate buydown can help buyers with monthly payments, but it is not always better than a price cut or closing-cost credit.

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