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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
$591,090
-1% month over month
(October 2025)
Median Listing Price
$380,000
-1% month over month
(October 2025)
Median Listing Price
$305,000
-3% month over month
(October 2025)
Median Listing Price
$500,000
-5% month over month
(October 2025)
*Last update: December 11, 2025. Next scheduled update: January 9, 2026. Sources: Realtor.com®, Freddie Mac and Fannie Mae.
Average 15-Year Fixed Mortgage Rate
5.50%
+0.02 month over month (October 2025)
The average 15-year fixed rates went up a bit. But we’re seeing much lower rates compared to earlier this year, which is great for buyers because even a small dip can mean big savings.
Here’s the math on that: Say your client purchased a $423,000 home with a 5% down payment. If they take advantage of the current 15-year fixed mortgage rate of 5.51% (compared to January’s rate of 6.27%), they could save around $3,023 in the first year, and a total of $29,582 over the 15-year life of the loan!
Your clients should never buy a home just because rates are lower. But if they’re ready, the savings from today’s rates might be the push they need!
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
$415,000
-2% month over month (October 2025)
Home prices are dipping this winter and nearly 1 in 5 sellers are cutting their asking price, showing some buyers might have more negotiating power. But it depends on where they live. The South and West have more homes on the market, so sellers there are lowering prices more often. In the Northeast and Midwest, inventory is still tight and homes sell faster, so prices aren’t lowering as much.1
That’s why having a local agent (like you) on their side matters. You can tell them when a home is overpriced and where they have room to negotiate. If your client is hoping to buy, the next couple months could be the best window to get a better deal with less competition and more motivated sellers.
National Median Days on Market
64
+1 day month over month (October 2025)
In November, homes spent 3 days longer on the market than they did last year. That’s 20 months in a row of slower year-over-year sales. With prices still higher and the holiday season in full swing, some buyers are hitting pause for now until spring.
If your client is ready to buy, now is the right time to take advantage of their upper hand. Fewer buyers means less competition, more time to look around, and a better chance 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.
