Data from NAR, Freddie Mac PMMS (June 2026), Census ACS. Updated for current market conditions.
| Metric | 2019–early 2021 | June 2026 | Change |
|---|---|---|---|
| Median price | ~$300k range | $429,300 | +40%+ |
| 30-yr fixed rate | 3–4% | 6.49% | +2.5–3.5 pts |
| Wage growth | — | — | +20–25% |
| First-time buyer median age | ~27 (1991 baseline) | ~38–40 | +11–13 yrs |
Sources: NAR Research, Freddie Mac PMMS, Census ACS. Price-to-income ratios worsened sharply post-2022 rate hikes.
Buyers are successfully negotiating 2–6% seller credits toward closing costs or rate buydowns. Use comps and inspection findings as leverage.
Model credits in the AnalyzerUpfront MIP 1.75% + annual 0.85%. Drops off after 11 years on most loans. Ideal when cash is limited. Compare vs conventional in the planner.
See FHA vs ConventionalState and local DPA grants, MCC tax credits, and forgivable second mortgages still active in many markets. Check eligibility by zip.
Browse programsLive in one unit, rent the other. 1% rule + zoning variance research can turn a marginal deal into positive cash flow.
Run ADU ROI numbers2-1 buydown or seller-paid points can drop effective rate 0.5–1% for first years. Calculate break-even vs waiting for rate drops.
Rate lock explainerSouth and Midwest markets showing faster inventory growth. Use pending sales data and days-on-market trends to time offers.
Check affordability by marketNext step: Paste a real listing into the Listing Analyzer or open the Affordability Calculator to see your exact numbers. See how we built these tools.