Housing Unfrozen? 2025's Mortgage Rate Rollercoaster & What It Means For You

Written By the WiRE - the Week in Real Estate
 

The housing market in early 2025 presents a complex picture. While inventory is increasing, providing more options for buyers, affordability remains a significant challenge due to elevated home prices and fluctuating mortgage rates.

Home price appreciation has slowed, and the market is sensitive to mortgage rate changes, particularly around the 6% level. Economic uncertainty and policy shifts, including potential impacts from the Trump administration and key jobs data, add volatility.

Regional differences are pronounced, with some areas like the Northeast experiencing stronger growth while others, such as parts of Florida, see prices decline. New construction offers some incentives, but overall, buyers are proceeding with caution.


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