The 6.5% Mortgage Era
US mortgage rates settled into the mid-6% range in 2026 while home-price forecasts converged near flat — the first stretch since 2008 in which prices are expected to grow slower than wages.
US average mortgage rates, mid-July 2026 (%). Rates have settled into the low-to-mid 6% range and are expected to stay there through 2026.
View data & sources →Projected US home-price growth for 2026 (%), by forecaster. Every major outlook sees prices rising slower than in prior years — the first real affordability thaw since 2008.
View data & sources →Data table
| pct | label | series | source_ref | value_basis | source |
|---|---|---|---|---|---|
| 6.55 | 30-yr fixed | rates_now | freddie-pmms | 30-year fixed-rate mortgage averaged 6.55% (Freddie Mac PMMS, week of Jul 16 2026) | |
| 5.93 | 15-yr fixed | rates_now | freddie-pmms | 15-year fixed-rate mortgage averaged 5.93% (Freddie Mac PMMS, week of Jul 16 2026) | |
| 4 | price_forecasts | usnews-rate-forecast | NAR: median home price to rise ~4% in 2026 | NAR | |
| 3.2 | price_forecasts | usnews-rate-forecast | Fannie Mae: home prices +3.2% in 2026 | Fannie Mae | |
| 2.2 | price_forecasts | usnews-rate-forecast | Realtor.com: existing-home sale prices +2.2% in 2026 | Realtor.com |
2 more rows + CSV download
The full 7-row dataset, one-click CSV export, and the AI-ready context file are free with an account. Prefer to verify it yourself? The full methodology and sources are published below.
Methodology & sources
Last updated: Jul 17, 2026Methodology
Two source-backed charts: current US benchmark mortgage rates (%) and 2026 home-price growth forecasts (%) across five major forecasters. Rates trace to the Freddie Mac PMMS (30-yr 6.55%, 15-yr 5.93%, week of Jul 16 2026). Price-growth forecasts (NAR +4.0%, Fannie Mae +3.2%, Realtor.com +2.2%, Zillow +1.2%, MBA +0.6%) trace to the cited 2026 forecast roundup. CAVEAT: forecasters use slightly different price measures (median sale price vs home-value index), so the bars show the spread of outlooks, not a single consensus number. Re-verified 2026-07-17.
Sources
Comparisons are informative, not definitive. See each source for definitions and limits.
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