Top Quality and Affordable Homes
National |
Average Rate* |
| 30-Year FHA Rate | 7.12% |
| 30-Year Fixed Rate | 6.12% |
| 20-Year Fixed Rate | 6.60% |
| 15-Year Fixed Rate | 5.88% |
| * Conforming FNMA Loan Amount. Rates may include points. | |
Information updated: 5/15/2025
Gains for Multifamily Missing Middle over Last Year
The missing middle construction sector includes development of medium-density housing, such as townhouses, duplexes and other small multifamily properties. The multifamily segment of the missing middle (apartments in 2- to 4-unit properties) has generally disappointed since the Great Recession. However, there has been a noticeable uptick for this type of housing construction in recent data. For the...Single-Family Home Size Trending Higher
An expected impact of the virus crisis was a need for more residential space, as people used homes for more purposes including work. Home size correspondingly increased in 2021 as interest rates reached historic lows. However, as interest rates increased in 2022 and 2023, and housing affordability worsened, the demand for home size has trended...Slight Gains for Townhouse Construction
Townhouse construction expanded more than 2 percent on a year-over-year basis per data from the first quarter of 2025. According to NAHB analysis of the most recent Census data of Starts and Completions by Purpose and Design, during the first quarter of 2025, single-family attached starts totaled 43,000. Over the last four quarters, townhouse construction starts totaled...Flat Growth for Single-Family Built-for-Rent
Single-family built-for-rent construction posted flat growth on a year-over-year basis, as a higher cost of financing crowded out development activity. According to NAHB’s analysis of data from the Census Bureau’s Quarterly Starts and Completions by Purpose and Design, there were approximately 19,000 single-family built-for-rent (SFBFR) starts during the first quarter of 2025. This is flat relative...Flat Custom Home Building Trends
NAHB’s analysis of Census Data from the Quarterly Starts and Completions by Purpose and Design survey indicates flat year-over year growth for custom home builders. The custom building market is less sensitive to the interest rate cycle than other forms of home building but is more sensitive to changes in household wealth and stock prices. There were...Orange County, Riverside County, San Bernardino County, Los Angeles County, San Diego Real Estate!
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