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On October 1, 2025, the average 30-year fixed mortgage rate held at 6.37% after weak private payroll data. Bigger shifts may follow when the delayed government jobs report is released.
Affordability is finally improving this fall thanks to lower average 30-year fixed mortgage rates, slower home price growth, and rising wages. Learn why now could be the right time to buy.
After touching yearly lows early in the week, the average 30-year fixed rose following the Fed’s rate cut—thanks to the dot plot and Powell’s comments. Still, mortgage applications just saw their biggest weekly jump since 2021 as homeowners reacted to earlier rate declines. Here’s what it means for buyers and homeowners.