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Housing Market Trends and Mortgage Rate Predictions
Stay on top of U.S. real estate trends so you’ll be confident in conversations with customers.
Median Listing Price
$599,450
-2.6% year over year
(October 2024)
Median Listing Price
$385,000
-0.9% year over year
(October 2024)
Median Listing Price
$315,000
+0.8% year over year
(October 2024)
Median Listing Price
$525,000
0.0% year over year
(October 2024)
*Last update: November 6, 2025. Next scheduled update: December 11, 2025. Sources: Realtor.com®, Freddie Mac and Fannie Mae.
Average 15-Year Fixed Mortgage Rate
5.49%
-0.1 month over month (September 2025)
We’ve seen rates fall to 12-month lows the past couple of weeks, and that’s exciting news. Lower rates can help your client save a good chunk of change. But if their monthly mortgage payment is still more than 25% of their take-home pay, they’re putting themselves at risk of becoming house poor.
We want to see your client own their home, not their home own them. That means buying only when they (and their budget) are actually ready. When they do that, their home will become a blessing, not a burden.
Predicted 15-Year Fixed Mortgage Rate
5.48%
Expected rate (December 2025)
This is where mortgage rates could be by the end of 2025. It’s smart to keep an eye on what experts are forecasting—but remember, rates can be as unpredictable as the weather.
Where did we get this rate prediction?
This forecast comes from Fannie Mae, one of the largest players in the U.S. mortgage market. Their experts analyze housing, economic and mortgage trends, and they survey both lenders and consumers to predict where rates might be headed.
The key word here is might—because even with all that research, these are still educated guesses. Mortgage rate forecasts can be helpful, but they shouldn’t be the main reason your clients decide to buy or wait. Their own financial readiness should be the deciding factor.
National Median Listing Price
$424,200
0% month over month (September 2025)
Home prices are holding steady nationwide, but where your clients are looking makes all the difference. Prices dipped a bit in the South and West, while the Midwest and Northeast stayed about the same.1 Every market is unique, so it’s smart to have a local agent (like you) on their side to help them navigate the market’s ups and downs and find an affordable home in a neighborhood they love.
If they’re hoping for a better deal, this winter could be their moment. In October, about 1 in 5 homes saw a price cut, which means your clients might have more room to negotiate and snag a better price.
National Median Days on Market
63
+1 day month over month (September 2025)
In October, homes spent about 5 days longer on the market than they did last year. That’s 19 months in a row of slower year-over-year sales. With prices still higher and the holiday season setting in, some buyers are hitting pause for now until spring.
But if your clients are ready to buy, winter is a great time to take advantage of the upper hand. Fewer buyers mean less competition, more time to look around, and a better chance for them to save some serious cash.
Stream: Real Estate the Ramsey Way
Want to know what resonates with our referrals? Check out Dave Ramsey’s podcast Real Estate the Ramsey Way, where you can brush up on our teachings and advice.
