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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
$600,000
-3.6% year over year
(August 2024)
Median Listing Price
$388,500
-0.4% year over year
(August 2024)
Median Listing Price
$319,950
0.0% year over year
(August 2024)
Median Listing Price
$525,000
-0.4% year over year
(August 2024)
*Last update: October 8, 2025. Next scheduled update: November 6, 2025. Sources: Realtor.com®, Freddie Mac, and Fannie Mae.
Average 15-Year Fixed Mortgage Rate
5.50%
-0.21 month over month (August 2025)
Mortgage rates have dipped in recent weeks, but they’re already starting to go back up a bit. With possible Fed rate cuts on the horizon, rates could fall back down. But the truth is, they’re unpredictable, which is why your clients shouldn’t try to time the market. The best time to buy is when they’re financially ready, not when mortgage rates go down.
To make the home-buying process easier for your clients, we recommend Churchill Mortgage—a trusted provider who’ll help them lock in a good rate and find a loan that fits their budget.
Predicted 15-Year Fixed Mortgage Rate
5.57%
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
$425,990
-1% month over month (August 2025)
Home price growth has slowed down a bit lately, which is a pretty normal seasonal shift as we head into fall. But here’s the thing: We’re probably not going to see major price drops anytime soon. In fact, home prices typically rise year over year. So that house that your client has been eyeing? There’s a good chance it’ll cost more next year.
If they’re debt-free, have an emergency fund in place, and have saved up a solid down payment, they could be in a great position to buy a home to get ahead of rising prices and save themselves a good chunk of money.
National Median Days on Market
62
+2 days month over month (August 2025)
In September, homes stayed on the market about a week longer than they did a year ago, marking the 18th straight month of slower year-over-year sales. With affordability still weighing on buyers, many are choosing to wait on the sidelines, which has slowed the market in certain areas.
The good news? If they’re ready to buy, this slowdown works in their favor. They’ve got more time to house hunt, more room to negotiate, and less pressure to make a rushed decision.
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.
