Top Quality and Affordable Homes
National |
Average Rate* |
| 30-Year FHA Rate | 7.12% |
| 30-Year Fixed Rate | 5.88% |
| 20-Year Fixed Rate | 6.95% |
| 15-Year Fixed Rate | 5.50% |
| * Conforming FNMA Loan Amount. Rates may include points. | |
Information updated: 4/01/2025
Manufactured Homes: An Alternative Means of Housing Supply
Manufactured homes play a measurable role in the U.S. housing market by providing an affordable supply option for millions of households. According to the American Housing Survey (AHS), there are 7.2 million occupied manufactured homes in the U.S., representing 5.4% of total occupied housing and a source of affordable housing, in particular, for rural and...Private Residential Construction Spending Rises in February
Private residential construction spending increased by 1.3% in February, rebounding from a 1.2% dip in January. The growth was largely driven by higher spending on single-family construction and residential improvements. On a year-over-year basis, the February report showed a 1.6% gain, indicating a modest growth in private residential construction spending during market uncertainties. The monthly...Soft Job Openings Estimate for Construction
After a period of slowing associated with declines for some elements of the residential construction industry, the count of open construction sector jobs remained lower than a year ago, per the February Bureau of Labor Statistics Job Openings and Labor Turnover Survey (JOLTS). The number of open jobs for the overall economy declined from 7.76 million...Affordability Pyramid Shows 94 Million Households Cannot Buy a $400,000 Home
NAHB recently released its 2025 Priced-Out Analysis, highlighting the housing affordability challenge. While previous posts discussed the impacts of rising home prices and interest rates on affordability, this post focuses on the related U.S. housing affordability pyramid. The pyramid reveals that 70% of households (94 million) cannot afford a $400,000 home, while the estimated median...Mortgage Rates Hold Steady After Early March Drop
Mortgage rates dropped significantly at the start of March before stabilizing, with the average 30-year fixed-rate mortgage settling at 6.65%, according to Freddie Mac. This marks a 19-basis-point (bps) decline from February. Meanwhile, the 15-year fixed-rate mortgage fell by 20 bps to 5.83%. The drop in long-term borrowing costs was driven by a 24-bps decline...Orange County, Riverside County, San Bernardino County, Los Angeles County, San Diego Real Estate!
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