15-year fixed rate
6.60%▼ 0.08 vs last weekWeek ending Oct 29 · Freddie MacMedian listing price
$419,250▼ 1.4% vs last yearSeptember 2026 · Realtor.comMedian days on market
61 days▼ 1 day vs last yearSeptember 2026 · Realtor.comThis week's take
Rates ease to 7.24% as inventory keeps growing
By AstroCore · Week of October 29, 2026
The average 30-year fixed mortgage rate was 7.24% in the week ending October 29, 2026, down 0.08 points from the week before and up 1.00 point from a year ago. The 15-year fixed averaged 6.60%.
Across the US, the median listing price was $419,250 in September 2026, down 1.4% from a year earlier. Homes spent a median of 61 days on the market, shorter than 62 days a year ago. Active listings were up 5.4% from last year.
What it means for sellers: Lower rates stretch buyers' budgets, and even a small drop can bring back people who paused their search. With more homes to choose from than last year, buyers can afford to be picky: realistic pricing, good photos and quick responses matter more than ever.
Homes are moving fastest in Rhode Island (38 days), Illinois (39) and Connecticut (41). Check your own state in the table below.
Check seller demand in your countyA year ago the 30-year averaged 6.24%.
State by state
How every state's market is moving
Realtor.com listing data for September 2026. Tap a column to sort.
Fastest-selling states
- Rhode Island38 days
- Illinois39 days
- Connecticut41 days
- Massachusetts45 days
- New Jersey45 days
Biggest jump in homes for sale
- Minnesota+30.0%
- Virginia+21.8%
- Maine+21.7%
- Wisconsin+20.3%
- Washington+19.9%
| State | Median list price | vs last year | Days on market | Homes for sale | vs last year |
|---|---|---|---|---|---|
| Alabama | $325,000 | ▼ 1.5% | 71 | 22,525 | ▲ 8.5% |
| Alaska | $435,000 | ▼ 2.2% | 59 | 2,271 | ▲ 11.6% |
| Arizona | $459,900 | ▼ 3.5% | 65 | 29,571 | ▲ 6.7% |
| Arkansas | $318,743 | ▲ 4.5% | 68 | 14,883 | ▲ 12.2% |
| California | $725,000 | ▼ 3.1% | 55 | 74,607 | ▲ 0.6% |
| Colorado | $564,000 | ▼ 3.9% | 67 | 34,082 | ▲ 9.8% |
| Connecticut | $522,500 | ▼ 0.5% | 41 | 5,934 | ▲ 11.5% |
| Delaware | $484,998 | ▼ 0.1% | 60 | 3,556 | ▲ 13.8% |
| Florida | $409,950 | ▼ 3.5% | 81 | 146,478 | ▼ 9.5% |
| Georgia | $389,750 | ▼ 1.3% | 66 | 53,320 | ▲ 9.3% |
| Hawaii | $732,450 | ▼ 2.3% | 88 | 6,605 | ▲ 9.6% |
| Idaho | $593,000 | ▲ 1.4% | 61 | 8,819 | ▼ 5.4% |
| Illinois | $324,950 | ▲ 2.7% | 39 | 22,584 | ▲ 0.2% |
| Indiana | $299,000 | ▼ 0.2% | 52 | 19,349 | ▲ 13.2% |
| Iowa | $284,900 | ▲ 2.1% | 59 | 11,855 | ▲ 3.7% |
| Kansas | $296,000 | ▲ 0.4% | 54 | 8,075 | ▲ 0.9% |
| Kentucky | $307,775 | ▼ 0.7% | 55 | 13,667 | ▲ 14.8% |
| Louisiana | $270,000 | ▼ 3.1% | 78 | 15,859 | ▼ 4.4% |
| Maine | $450,000 | ▼ 3.6% | 61 | 6,505 | ▲ 21.7% |
| Maryland | $425,000 | ▼ 4.0% | 47 | 17,577 | ▲ 17.0% |
| Massachusetts | $714,250 | ▼ 5.2% | 45 | 13,958 | ▲ 18.1% |
| Michigan | $299,900 | No change | 47 | 29,277 | ▲ 15.8% |
| Minnesota | $379,900 | ▼ 2.3% | 47 | 19,379 | ▲ 30.0% |
| Mississippi | $292,250 | ▼ 1.4% | 75 | 9,519 | ▲ 7.5% |
| Missouri | $300,000 | ▼ 0.8% | 57 | 21,267 | ▲ 7.2% |
| Montana | $635,000 | ▼ 0.3% | 75 | 5,949 | ▼ 3.8% |
| Nebraska | $335,000 | ▼ 2.4% | 47 | 6,012 | ▲ 5.6% |
| Nevada | $480,000 | ▼ 3.3% | 58 | 13,654 | ▲ 2.2% |
| New Hampshire | $590,000 | ▼ 0.4% | 59 | 3,520 | ▲ 4.7% |
| New Jersey | $559,500 | ▲ 0.4% | 45 | 21,036 | ▲ 17.5% |
| New Mexico | $399,475 | ▼ 0.1% | 80 | 7,322 | ▲ 7.7% |
| New York | $605,000 | ▼ 6.8% | 61 | 40,537 | ▲ 4.8% |
| North Carolina | $400,000 | ▼ 4.6% | 69 | 48,917 | ▲ 11.9% |
| North Dakota | $370,700 | ▲ 1.7% | 57 | 2,278 | ▲ 0.8% |
| Ohio | $284,000 | ▼ 0.9% | 45 | 24,622 | ▲ 14.3% |
| Oklahoma | $296,643 | ▼ 0.9% | 65 | 17,035 | ▲ 7.1% |
| Oregon | $550,000 | ▼ 3.3% | 72 | 18,535 | ▲ 6.9% |
| Pennsylvania | $309,000 | ▼ 3.4% | 51 | 28,894 | ▲ 11.6% |
| Rhode Island | $569,900 | ▼ 2.5% | 38 | 1,957 | ▲ 16.9% |
| South Carolina | $359,945 | ▼ 2.3% | 68 | 29,263 | ▲ 9.4% |
| South Dakota | $375,000 | ▲ 0.4% | 58 | 3,581 | ▲ 0.4% |
| Tennessee | $429,450 | ▼ 0.1% | 68 | 36,900 | ▲ 9.1% |
| Texas | $355,765 | ▼ 2.5% | 66 | 137,129 | ▲ 0.9% |
| Utah | $579,000 | ▼ 1.9% | 67 | 15,416 | ▲ 9.1% |
| Vermont | $499,450 | ▼ 1.0% | 74 | 2,755 | ▲ 8.4% |
| Virginia | $455,953 | ▲ 1.3% | 47 | 26,222 | ▲ 21.8% |
| Washington | $639,475 | ▼ 1.5% | 58 | 29,326 | ▲ 19.9% |
| West Virginia | $259,997 | ▼ 0.8% | 58 | 4,388 | ▲ 3.4% |
| Wisconsin | $389,900 | ▼ 0.6% | 45 | 15,857 | ▲ 20.3% |
| Wyoming | $496,500 | ▲ 5.1% | 66 | 2,589 | ▼ 8.7% |
Industry headlines
What the industry is talking about
- HousingWire · Oct 31A path to sub-7% mortgage rates is back on the table
- HousingWire · Oct 31Exclusive: CrossCountry Mortgage demands payment from former LOs, invokes 2-year non-solicitation
- HousingWire · Oct 30Silvio Tavares steps down as VantageScore CEO, Anthony Hutchinson named interim leader
- HousingWire · Oct 30Q3 2026 earnings for publicly traded mortgage, real estate and homebuilder companies
- HousingWire · Oct 30Op-Ed: MLSs can build what brokers want or brokers will do it
- HousingWire · Oct 30Pennymac posts $29M profit amid expense cuts, upcoming leadership changes
- HousingWire · Oct 30First Horizon, Nations Lending and Planet announce leadership moves
- HousingWire · Oct 30MAVERIX adds former Compass International Holdings executive Anna Visioli as strategic advisor
Headlines link to the original publishers.
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Sources: Freddie Mac Primary Mortgage Market Survey and Realtor.com housing inventory data, via FRED (Federal Reserve Bank of St. Louis). Figures are national or statewide medians and may differ in your local market. For information only; not financial advice.