Fixed 30-year mortgage rates in the United States averaged 6.92 percent in the week ending May 30 of 2025. This dataset provides the latest reported value for - United States MBA 30-Yr Mortgage Rate - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

In the United States, interest rates for all mortgage types started to increase in 2021. This was due to the Federal Reserve introducing a series of hikes in the federal funds rate to contain the rising inflation. In the fourth quarter of 2024, the 30-year fixed rate rose slightly, to 6.63 percent. Despite the increase, the rate remained below the peak of 7.33 percent in the same quarter a year ago. Why have U.S. home sales decreased? Cheaper mortgages normally encourage consumers to buy homes, while higher borrowing costs have the opposite effect. As interest rates increased in 2022, the number of existing homes sold plummeted. Soaring house prices over the past 10 years have further affected housing affordability. Between 2013 and 2023, the median price of an existing single-family home risen by about 88 percent. On the other hand, the median weekly earnings have risen much slower. Comparing mortgage terms and rates Between 2008 and 2023, the average rate on a 15-year fixed-rate mortgage in the United States stood between 2.28 and 6.11 percent. Over the same period, a 30-year mortgage term averaged a fixed-rate of between 3.08 and 6.81 percent. Rates on 15-year loan terms are lower to encourage a quicker repayment, which helps to improve a homeowner’s equity.

Mortgage interest rates in Europe soared in 2022 and remained elevated in the following two years. In many countries, this resulted in interest rates more than doubling. In the UK, the average mortgage interest rate rose from **** percent in 2020 to **** percent in 2023, before falling to **** in 2024. Why did mortgage interest rates increase? Mortgage rates have risen as a result of the European Central Bank (ECB) interest rate increase. The ECB increased its interest rates to tackle inflation. As inflation calms, the ECB is expected to cut rates, which allows mortgage lenders to reduce mortgage interest rates. What is the impact of interest rates on home buying? Lower interest rates make taking out a housing loan more affordable, and thus, encourage homebuying. That can be seen in many countries across Europe: In France, the number of residential properties sold rose in the years leading up to 2021, and fell as interest rates increased. The number of houses sold in the UK followed a similar trend.

30 Year Mortgage Rate in the United States decreased to 6.85 percent in June 5 from 6.89 percent in the previous week. This dataset includes a chart with historical data for the United States 30 Year Mortgage Rate.

Despite the pandemic's broader economic disruptions, low interest rates in 2020 initially fueled a housing market boom driven by work-from-home orders and a shift toward residential construction. This surge was a lifeline for builders amid economic turbulence. However, the tide turned in 2022 and 2023 as the Federal Reserve's interest rate hikes curbed housing investments, dampening consumer enthusiasm and slowing residential construction activity. Low housing stock and rate cuts late in 2024 led to growth in single-family housing starts, boosting revenue. Single-family home development climbed in more affordable and less densely populated areas in 2024, but new multifamily developments have plummeted. Industry revenue has been climbing at a CAGR of 0.8% over the past five years to total an estimated $233.5 billion in 2025, including an estimated increase of 0.2% in 2025 alone. The initial boom in 2020 and 2021 led to one of the most significant expansions in home-building in recent memory, yet interest rate hikes soon tempered this growth. As smaller-scale developers struggled with escalating construction costs and regulatory hurdles, larger, financially robust companies like DR Horton, Lennar and PulteGroup managed to thrive and expand their operations. These larger companies maximized their market share, leveraging their resources to navigate the challenging economic climate and maintain momentum despite the pressures of rising material costs and labor shortages. These rising material costs and labor shortages have driven up purchase and wage costs, contributing to profit declines over the past five years. Expected interest rate cuts will boost housing developers. Developers will benefit from these favorable conditions, especially those who strategically invest in less densely populated areas to meet the growing appetite for affordable housing. Rate cuts will also provide relief to smaller housing developers more sensitive to interest rate fluctuations. Sustainability also looms on the horizon, with tax incentives and energy-efficient building standards encouraging developers to explore eco-friendly construction. Still, rising material costs and labor shortages will continue to stifle profit growth and increase housing prices. Larger companies will continue to gain market share, strategically developing homes near areas with strong job growth near new large manufacturing facilities. Industry revenue is forecast to expand at a CAGR of 1.4% to total an estimated $250.6 billion through the end of 2030.

House prices grew year-on-year in most states in the U.S. in the third quarter of 2024. The District of Columbia was the only exception, with a decline of three percent. The annual appreciation for single-family housing in the U.S. was 0.71 percent, while in Hawaii—the state where homes appreciated the most—the increase exceeded 10 percent. How have home prices developed in recent years? House price growth in the U.S. has been going strong for years. In 2024, the median sales price of a single-family home exceeded 413,000 U.S. dollars, up from 277,000 U.S. dollars five years ago. One of the factors driving house prices was the cost of credit. The record-low federal funds effective rate allowed mortgage lenders to set mortgage interest rates as low as 2.3 percent. With interest rates on the rise, home buying has also slowed, causing fluctuations in house prices. Why are house prices growing? Many markets in the U.S. are overheated because supply has not been able to keep up with demand. How many homes enter the housing market depends on the construction output, whereas the availability of existing homes for purchase depends on many other factors, such as the willingness of owners to sell. Furthermore, growing investor appetite in the housing sector means that prospective homebuyers have some extra competition to worry about. In certain metros, for example, the share of homes bought by investors exceeded 20 percent in 2024.

The benchmark interest rate in Norway was last recorded at 4.50 percent. This dataset provides the latest reported value for - Norway Interest Rate - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

This paper shows that a macro model with segmented financial markets can generate sizable movements in housing prices in response to changes in credit conditions. We establish theoretically that reductions in mortgage rates always have a positive effect on prices, whereas the relaxation of loan-to-value constraints has ambiguous effects. A quantitative version of the model under perfect foresight accounts for about one-half of the observed price increase in the United States in the 2000s. When we include shocks to expectations about housing finance conditions, the model's ability to match house values improves significantly. The framework reconciles the observed disconnect between house prices and rents since, in general equilibrium, financial shocks can decrease rents and increase prices.

Lower Limit of First Home Mortgage Rate: above LPR: Beijing data was reported at -0.450 % Point in 17 May 2025. This stayed constant from the previous number of -0.450 % Point for 16 May 2025. Lower Limit of First Home Mortgage Rate: above LPR: Beijing data is updated daily, averaging 0.550 % Point from Oct 2019 (Median) to 17 May 2025, with 2049 observations. The data reached an all-time high of 0.550 % Point in 25 Jun 2024 and a record low of -0.450 % Point in 17 May 2025. Lower Limit of First Home Mortgage Rate: above LPR: Beijing data remains active status in CEIC and is reported by The People's Bank of China. The data is categorized under China Premium Database’s Money Market, Interest Rate, Yield and Exchange Rate – Table CN.MA: Lower Limit of First Home Mortgage Rate: Prefecture Level City. After adjustment on December 15, 2023: the lower limits of the first and second sets of interest rate policies in the six districts of the city are respectively no less than the market quoted interest rate for loans of the corresponding period plus 10 basis points, and no less than the market quoted interest rate for loans of the corresponding period plus 60 basis points; The lower limits of the first and second sets of interest rate policies in the six non-urban districts are not lower than the market quoted interest rate for loans of the corresponding period, and not lower than the market quoted interest rate for loans of the corresponding period plus 55 basis points.

The industry is composed of non-depository institutions that conduct primary and secondary market lending. Operators in this industry include government agencies in addition to non-agency issuers of mortgage-related securities. Through 2025, rising per capita disposable income and low levels of unemployment helped fuel the increase in primary and secondary market sales of collateralized debt. Nonetheless, due to the pandemic and the sharp contraction in economic activity in 2020, revenue gains were limited, but have climbed as the economy has normalized and interest rates shot up to tackle rampant inflation. However, in 2024 the Federal Reserve cut interest rates as inflationary pressures eased and is expected to be cut further in 2025. Overall, these trends, along with volatility in the real estate market, have caused revenue to slump at a CAGR of 1.5% to $485.0 billion over the past five years, including an expected decline of 1.1% in 2025 alone. The high interest rate environment has hindered real estate loan demand and caused industry profit to shrink to 11.6% of revenue in 2025. Higher access to credit and higher disposable income have fueled primary market lending over much of the past five years, increasing the variety and volume of loans to be securitized and sold in secondary markets. An additional boon for institutions has been an increase in interest rates in the latter part of the period, which raised interest income as the spread between short- and long-term interest rates increased. These macroeconomic factors, combined with changing risk appetite and regulation in the secondary markets, have resurrected collateralized debt trading since the middle of the period. Although the FED cut interest rates in 2024, this will reduce interest income for the industry but increase loan demand. Although institutions are poised to benefit from a strong economic recovery as inflationary pressures ease, relatively steady rates of homeownership, coupled with declines in the 30-year mortgage rate, are expected to damage the primary market through 2030. Shaky demand from commercial banking and uncertainty surrounding inflationary pressures will influence institutions' decisions on whether or not to sell mortgage-backed securities and commercial loans to secondary markets. These trends are expected to cause revenue to decline at a CAGR of 0.8% to $466.9 billion over the five years to 2030.

In June 2024, the European Central Bank (ECB) began reducing its fixed interest rate for the first time since 2016, implementing a series of cuts. The rate decreased from 4.5 percent to 3.15 percent by year-end: a 0.25 percentage point cut in June, followed by additional reductions in September, October, and December. The central bank implemented other cuts in early 2025, setting the rate at 2.4 percent in April 2025. This marked a significant shift from the previous rate hike cycle, which began in July 2022 when the ECB raised rates to 0.5 percent and subsequently increased them almost monthly, reaching 4.5 percent by December 2023 - the highest level since the 2007-2008 global financial crisis. How does this ensure liquidity? Banks typically hold only a fraction of their capital in cash, measured by metrics like the Tier 1 capital ratio. Since this ratio is low, banks prefer to allocate most of their capital to revenue-generating loans. When their cash reserves fall too low, banks borrow from the ECB to cover short-term liquidity needs. On the other hand, commercial banks can also deposit excess funds with the ECB at a lower interest rate. Reasons for fluctuations
The ECB’s primary mandate is to maintain price stability. The Euro area inflation rate is, in theory, the key indicator guiding the ECB's actions. When the fixed interest rate is lower, commercial banks are more likely to borrow from the ECB, increasing the money supply and, in turn, driving inflation higher. When inflation rises, the ECB increases the fixed interest rate, which slows borrowing and helps to reduce inflation.

The benchmark interest rate in China was last recorded at 3 percent. This dataset provides the latest reported value for - China Interest Rate - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

Graph and download economic data for Housing Inventory: Price Reduced Count in Ventura County, CA (PRIREDCOU6111) from Jul 2016 to Dec 2024 about Ventura County, CA; Oxnard; reduced count; CA; price; and USA.

This analysis presents a rigorous exploration of financial data, incorporating a diverse range of statistical features. By providing a robust foundation, it facilitates advanced research and innovative modeling techniques within the field of finance.

Interest Rates, High Prices, and Inventory Shortage to Slow Down Housing Market

Financial data:

• Historical daily stock prices (open, high, low, close, volume)

• Fundamental data (e.g., market capitalization, price to earnings P/E ratio, dividend yield, earnings per share EPS, price to earnings growth, debt-to-equity ratio, price-to-book ratio, current ratio, free cash flow, projected earnings growth, return on equity, dividend payout ratio, price to sales ratio, credit rating)

• Technical indicators (e.g., moving averages, RSI, MACD, average directional index, aroon oscillator, stochastic oscillator, on-balance volume, accumulation/distribution A/D line, parabolic SAR indicator, bollinger bands indicators, fibonacci, williams percent range, commodity channel index)

Machine learning features:

• Feature engineering based on financial data and technical indicators

• Sentiment analysis data from social media and news articles

• Macroeconomic data (e.g., GDP, unemployment rate, interest rates, consumer spending, building permits, consumer confidence, inflation, producer price index, money supply, home sales, retail sales, bond yields)

Potential Applications:

• Stock price prediction

• Portfolio optimization

• Algorithmic trading

• Market sentiment analysis

• Risk management

Use Cases:

• Researchers investigating the effectiveness of machine learning in stock market prediction

• Analysts developing quantitative trading Buy/Sell strategies

• Individuals interested in building their own stock market prediction models

• Students learning about machine learning and financial applications

Additional Notes:

• The dataset may include different levels of granularity (e.g., daily, hourly)

• Data cleaning and preprocessing are essential before model training

• Regular updates are recommended to maintain the accuracy and relevance of the data

This map uses an archive of Version 1.0 of the CEJST data as a fully functional GIS layer. See an archive of the latest version of the CEJST tool using Version 2.0 of the data released in December 2024 here.This map assesses and identifies communities that are Housing Disadvantaged according to Justice40 Initiative criteria. "Communities are identified as disadvantaged if they are in census tracts that:Experienced historic underinvestment OR are at or above the 90th percentile for the housing cost OR lack of green space OR lack of indoor plumbing OR lead paintAND are at or above the 65th percentile for low income"Census tracts in the U.S. and its territories that meet the criteria are shaded in blue colors. Suitable for dashboards, apps, stories, and grant applications.Details of the assessment are provided in the popup for every census tract in the United States and its territories American Samoa, Guam, the Northern Mariana Islands, Puerto Rico, and the U.S. Virgin Islands. This map uses 2010 census tracts from Version 1.0 of the source data downloaded November 22, 2022.Use this map to help plan for grant applications, to perform spatial analysis, and to create informative dashboards and web applications.From the source:This data "highlights disadvantaged census tracts across all 50 states, the District of Columbia, and the U.S. territories. Communities are considered disadvantaged:If they are in census tracts that meet the thresholds for at least one of the tool’s categories of burden, orIf they are on land within the boundaries of Federally Recognized TribesCategories of BurdensThe tool uses datasets as indicators of burdens. The burdens are organized into categories. A community is highlighted as disadvantaged on the CEJST map if it is in a census tract that is (1) at or above the threshold for one or more environmental, climate, or other burdens, and (2) at or above the threshold for an associated socioeconomic burden.In addition, a census tract that is completely surrounded by disadvantaged communities and is at or above the 50% percentile for low income is also considered disadvantaged.Census tracts are small units of geography. Census tract boundaries for statistical areas are determined by the U.S. Census Bureau once every ten years. The tool utilizes the census tract boundaries from 2010. This was chosen because many of the data sources in the tool currently use the 2010 census boundaries."PurposeThe goal of the Justice40 Initiative is to provide 40 percent of the overall benefits of certain Federal investments in [eight] key areas to disadvantaged communities. These [eight] key areas are: climate change, clean energy and energy efficiency, clean transit, affordable and sustainable housing, training and workforce development, the remediation and reduction of legacy pollution, [health burdens] and the development of critical clean water infrastructure." Source: Climate and Economic Justice Screening tool"Sec. 219. Policy. To secure an equitable economic future, the United States must ensure that environmental and economic justice are key considerations in how we govern. That means investing and building a clean energy economy that creates well‑paying union jobs, turning disadvantaged communities — historically marginalized and overburdened — into healthy, thriving communities, and undertaking robust actions to mitigate climate change while preparing for the impacts of climate change across rural, urban, and Tribal areas. Agencies shall make achieving environmental justice part of their missions by developing programs, policies, and activities to address the disproportionately high and adverse human health, environmental, climate-related and other cumulative impacts on disadvantaged communities, as well as the accompanying economic challenges of such impacts. It is therefore the policy of my Administration to secure environmental justice and spur economic opportunity for disadvantaged communities that have been historically marginalized and overburdened by pollution and underinvestment in housing, transportation, water and wastewater infrastructure, and health care." Source: Executive Order on Tackling the Climate Crisis at Home and AbroadUse of this Data"The pilot identifies 21 priority programs to immediately begin enhancing benefits for disadvantaged communities. These priority programs will provide a blueprint for other agencies to help inform their work to implement the Justice40 Initiative across government." Source: The Path to Achieving Justice 40

The Oryol region experienced the most significant fall in secondary housing prices in December 2019 across Russia, compared to the previous month. In Ingushetia, apartment prices on this market fell by -2.2 percent over the same period.

Graph and download economic data for Delinquency Rate on Commercial Real Estate Loans (Excluding Farmland), Booked in Domestic Offices, All Commercial Banks (DRCRELEXFACBS) from Q1 1991 to Q4 2024 about farmland, domestic offices, delinquencies, real estate, commercial, domestic, loans, banks, depository institutions, rate, and USA.

With over five and three percentage point fall in from February to December 2019 respectively, Primorsky Krai and Buyryatia reported the most significant reductions in the rental prices across the country.

This research data file contains the necessary software and the dataset for estimating the missing prices of house units. This approach combines several machine learning techniques (linear regression, support vector regression, the k-nearest neighbors and a multi-layer perceptron neural network) with several dimensionality reduction techniques (non-negative factorization, recursive feature elimination and feature selection with a variance threshold). It includes the input dataset formed with the available house prices in two neighborhoods of Teruel city (Spain) in November 13, 2017 from Idealista website. These two neighborhoods are the center of the city and “Ensanche”.

This dataset supports the research of the authors in the improvement of the setup of agent-based simulations about real-estate market. The work about this dataset has been submitted for consideration for publication to a scientific journal.

The open source python code is composed of all the files with the “.py” extension. The main program can be executed from the “main.py” file. The “boxplotErrors.eps” is a chart generated from the execution of the code, and compares the results of the different combinations of machine learning techniques and dimensionality reduction methods.

The dataset is in the “data” folder. The input raw data of the house prices are in the “dataRaw.csv” file. These were shuffled into the “dataShuffled.csv” file. We used cross-validation to obtain the estimations of house prices. The outputted estimations alongside the real values are stored in different files of the “data” folder, in which each filename is composed by the machine learning technique abbreviation and the dimensionality reduction method abbreviation.

Land lessors range from individuals with small plots to large companies that manage entire communities. Manufactured homes offer a more affordable alternative to traditional on-site housing. New housing starts slowed and supply fell in the past few years, pushing prices to extreme highs. The rush to build homes and apartments brought a surge in revenue for private landowners. Manufactured homes' production speed supported supply and gave refuge to home buyers priced out of the traditional market. With skyrocketing prices, land leasing companies enjoyed higher revenue. Through the end of 2025, land leasing revenue climbed at a CAGR of 1.8% to reach $19.8 billion in 2025, including 2.5% growth in 2025 alone. Profit remains high at 45.6% of revenue despite a gain in competition within the industry. The climb in the value of farmland benefits land lessors, as nearly 40.0% of farmland in the US is rented. The increased value of farmland has enabled lessors to charge higher rental rates, bolstering revenue. Demand from the nonresidential market has been uneven, as high interest rates have limited business expansion and hybrid work remains relatively entrenched. However, consumer spending has remained resilient, benefiting land lessors renting land to e-commerce facilities. Through the end of 2030, revenue will accelerate at a CAGR of 2.5%, reaching $22.4 billion in 2030. Financial pressure will push buyers with lower incomes from the traditional housing market toward affordable manufactured homes. The housing supply shortage will not likely be resolved over the next five years, creating additional demand for land rentals. Despite interest rate cuts by the Federal Reserve early during the outlook period, mortgage rates will remain well above lows enjoyed in 2020 and 2021, continuing to price many first-time home buyers out of the traditional housing market and toward manufactured homes.